| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.5 pts |
| Share growth (YoY) | -1.7% | +0.7% | -2.4 pts |
| Loan growth (YoY) | -7.0% | -2.4% | -4.6 pts |
| ROA | 1.07% | 0.60% | +0.5 pts |
| ROE | 9.6% | 4.1% | +5.5 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.2M | $16.1M | $11.3M | $2.0M | $49K | 1.07% | 5.35% | 0.45% | 2,386 |
| Q4 2025 | $17.8M | $15.8M | $11.8M | $2.0M | $158K | 0.89% | 5.55% | 2.13% | 2,285 |
| Q3 2025 | $17.7M | $15.6M | $11.8M | $1.9M | $120K | 0.91% | 5.56% | 1.06% | 2,306 |
| Q2 2025 | $18.1M | $16.1M | $12.1M | $1.9M | $92K | 1.02% | 5.38% | 1.36% | 2,351 |
| Q1 2025 | $18.3M | $16.4M | $12.2M | $1.8M | $12K | 0.26% | 5.18% | 1.14% | 2,365 |
| Q4 2024 | $17.3M | $15.4M | $12.7M | $1.8M | $578K | 3.35% | 5.28% | 1.57% | 2,363 |
| Q3 2024 | $17.2M | $15.4M | $13.2M | $1.8M | $207K | 1.60% | 5.16% | 2.64% | 2,371 |
| Q2 2024 | $17.3M | $15.6M | $13.2M | $1.7M | $139K | 1.60% | 5.04% | 1.74% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.60% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 4.1% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.35% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,368 |
Loan mix (Q1 2026): real estate $3.5M · commercial $0 · consumer $7.9M · securities $4.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.3% | 81.5% | 40th |
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.