| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +1.3% | +6.0 pts |
| Share growth (YoY) | +8.8% | +0.7% | +8.1 pts |
| Loan growth (YoY) | -5.4% | -2.4% | -3.0 pts |
| ROA | -0.01% | 0.60% | -0.6 pts |
| ROE | -0.1% | 4.1% | -4.2 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $40.1M | $36.1M | $10.5M | $3.9M | $-851 | -0.01% | 3.65% | 0.14% | 3,550 |
| Q4 2025 | $37.3M | $33.3M | $10.9M | $3.9M | $38K | 0.10% | 3.91% | 0.24% | 3,567 |
| Q3 2025 | $36.8M | $32.9M | $11.1M | $3.8M | $-48K | -0.17% | 3.89% | 0.35% | 3,613 |
| Q2 2025 | $36.7M | $32.6M | $11.1M | $3.7M | $-121K | -0.66% | 3.76% | 0.45% | 3,640 |
| Q1 2025 | $37.3M | $33.2M | $11.1M | $3.8M | $-88K | -0.94% | 3.54% | 1.20% | 3,668 |
| Q4 2024 | $35.6M | $31.6M | $10.8M | $3.9M | $330K | 0.93% | 3.80% | 0.81% | 3,687 |
| Q3 2024 | $35.9M | $31.8M | $10.9M | $3.8M | $273K | 1.02% | 3.71% | 0.32% | 3,715 |
| Q2 2024 | $35.5M | $31.6M | $10.6M | $3.8M | $237K | 1.34% | 3.59% | 0.62% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.01% | 0.60% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | -0.1% | 4.1% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,754 |
Loan mix (Q1 2026): real estate $2.5M · commercial $0 · consumer $7.6M · securities $21.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.3% | 81.5% | 86th |
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% |
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