| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +1.3% | +1.2 pts |
| Share growth (YoY) | +2.6% | +0.7% | +1.9 pts |
| Loan growth (YoY) | +1.8% | -2.4% | +4.2 pts |
| ROA | 0.20% | 0.60% | -0.4 pts |
| ROE | 1.9% | 4.1% | -2.2 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $34.2M | $30.4M | $16.9M | $3.6M | $17K | 0.20% | 2.12% | 0.86% | 1,736 |
| Q4 2025 | $33.1M | $29.1M | $16.8M | $3.6M | $43K | 0.13% | 1.84% | 1.23% | 1,733 |
| Q3 2025 | $33.8M | $30.0M | $17.0M | $3.6M | $41K | 0.16% | 1.80% | 1.57% | 1,729 |
| Q2 2025 | $33.0M | $29.3M | $16.5M | $3.6M | $11K | 0.07% | 1.74% | 2.49% | 1,730 |
| Q1 2025 | $33.4M | $29.6M | $16.6M | $3.6M | $-54K | -0.64% | 1.62% | 1.10% | 1,725 |
| Q4 2024 | $32.2M | $28.4M | $16.9M | $3.6M | $26K | 0.08% | 1.73% | 0.89% | 1,726 |
| Q3 2024 | $32.7M | $29.0M | $17.2M | $3.6M | $39K | 0.16% | 1.71% | 0.74% | 1,738 |
| Q2 2024 | $33.2M | $29.4M | $17.8M | $3.6M | $45K | 0.27% | 1.69% | 0.70% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 0.60% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 4.1% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.12% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,729 |
Loan mix (Q1 2026): real estate $8.1M · commercial $0 · consumer $8.0M · securities $15.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.8% | 81.5% | 53th |
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.