| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.0% | +1.3% | -9.3 pts |
| Share growth (YoY) | -11.1% | +0.7% | -11.8 pts |
| Loan growth (YoY) | -19.0% | -2.4% | -16.7 pts |
| ROA | 0.78% | 0.60% | +0.2 pts |
| ROE | 3.3% | 4.1% | -0.8 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.6M | $19.5M | $3.6M | $6.1M | $50K | 0.78% | 2.51% | 0.23% | 1,202 |
| Q4 2025 | $25.8M | $19.8M | $3.8M | $6.0M | $216K | 0.84% | 2.61% | 1.05% | 1,219 |
| Q3 2025 | $26.6M | $20.7M | $4.0M | $5.9M | $136K | 0.68% | 2.48% | 0.72% | 1,229 |
| Q2 2025 | $26.8M | $20.9M | $4.3M | $5.9M | $104K | 0.78% | 2.46% | 2.40% | 1,230 |
| Q1 2025 | $27.8M | $22.0M | $4.5M | $5.8M | $27K | 0.39% | 2.23% | 1.30% | 1,249 |
| Q4 2024 | $29.3M | $23.5M | $4.6M | $5.8M | $83K | 0.29% | 2.15% | 1.27% | 1,271 |
| Q3 2024 | $29.5M | $23.4M | $4.6M | $6.0M | $41K | 0.19% | 2.13% | 1.16% | 1,278 |
| Q2 2024 | $29.3M | $23.5M | $4.6M | $5.7M | $8K | 0.05% | 2.08% | 0.85% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 0.60% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 4.1% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.51% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,303 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.4M · securities $21.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.6% | 81.5% | 25th |
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.