| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.3% | +1.3% | -6.6 pts |
| Share growth (YoY) | -7.2% | +0.7% | -7.9 pts |
| Loan growth (YoY) | -6.7% | -2.4% | -4.4 pts |
| ROA | 0.80% | 0.60% | +0.2 pts |
| ROE | 3.9% | 4.1% | -0.2 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.7M | $10.9M | $9.6M | $2.8M | $28K | 0.80% | 3.77% | 1.58% | 1,746 |
| Q4 2025 | $13.6M | $10.8M | $10.0M | $2.8M | $60K | 0.44% | 3.95% | 1.93% | 1,776 |
| Q3 2025 | $13.7M | $10.9M | $10.3M | $2.8M | $43K | 0.42% | 3.89% | 2.69% | 1,767 |
| Q2 2025 | $13.5M | $10.8M | $10.1M | $2.8M | $34K | 0.50% | 3.87% | 1.97% | 1,754 |
| Q1 2025 | $14.5M | $11.8M | $10.3M | $2.8M | $14K | 0.38% | 3.57% | 1.73% | 1,773 |
| Q4 2024 | $14.5M | $11.8M | $10.8M | $2.8M | $57K | 0.39% | 3.17% | 1.59% | 1,810 |
| Q3 2024 | $14.8M | $12.1M | $10.6M | $2.8M | $60K | 0.54% | 3.14% | 0.49% | 1,831 |
| Q2 2024 | $14.6M | $11.9M | $10.4M | $2.8M | $45K | 0.61% | 3.21% | 0.53% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.60% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 4.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,813 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $8.6M · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.2% | 81.5% | 52th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.