| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +1.3% | -5.7 pts |
| Share growth (YoY) | -6.3% | +0.7% | -6.9 pts |
| Loan growth (YoY) | -3.0% | -2.4% | -0.7 pts |
| ROA | 0.83% | 0.60% | +0.2 pts |
| ROE | 6.2% | 4.1% | +2.1 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.4M | $18.5M | $10.3M | $2.9M | $44K | 0.83% | 4.31% | 0.80% | 2,794 |
| Q4 2025 | $21.4M | $18.5M | $10.5M | $2.8M | $89K | 0.42% | 4.13% | 0.32% | 2,821 |
| Q3 2025 | $21.5M | $18.7M | $10.8M | $2.8M | $96K | 0.60% | 4.08% | 0.55% | 2,833 |
| Q2 2025 | $22.3M | $19.5M | $10.9M | $2.8M | $69K | 0.62% | 3.90% | 0.26% | 2,843 |
| Q1 2025 | $22.4M | $19.7M | $10.6M | $2.8M | $31K | 0.56% | 3.59% | 0.68% | 2,897 |
| Q4 2024 | $21.6M | $18.9M | $11.5M | $2.7M | $70K | 0.32% | 3.71% | 1.66% | 2,985 |
| Q3 2024 | $21.5M | $18.7M | $11.7M | $2.7M | $63K | 0.39% | 3.67% | 1.23% | 3,002 |
| Q2 2024 | $21.9M | $19.2M | $12.3M | $2.7M | $49K | 0.45% | 3.56% | 0.54% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.60% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 4.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,189 |
Loan mix (Q1 2026): real estate $4.3M · commercial $0 · consumer $5.8M · securities $8.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.3% | 81.5% | 50th |
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.