| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +2.7% | +0.7% | +2.0 pts |
| Loan growth (YoY) | -3.6% | -2.4% | -1.2 pts |
| ROA | 0.14% | 0.60% | -0.5 pts |
| ROE | 1.2% | 4.1% | -2.9 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.1M | $21.5M | $17.7M | $2.8M | $9K | 0.14% | 4.92% | 0.41% | 3,957 |
| Q4 2025 | $24.9M | $21.3M | $17.9M | $2.8M | $48K | 0.19% | 4.92% | 0.16% | 3,955 |
| Q3 2025 | $24.0M | $20.4M | $18.1M | $2.8M | $61K | 0.34% | 5.06% | 0.11% | 4,022 |
| Q2 2025 | $24.6M | $21.1M | $18.4M | $2.7M | $27K | 0.22% | 4.76% | 0.24% | 4,086 |
| Q1 2025 | $24.0M | $21.0M | $18.4M | $2.7M | $33K | 0.55% | 4.63% | 0.31% | 4,149 |
| Q4 2024 | $23.6M | $20.6M | $18.7M | $2.7M | $51K | 0.21% | 4.44% | 0.67% | 4,189 |
| Q3 2024 | $25.3M | $22.3M | $19.0M | $2.7M | $64K | 0.34% | 4.10% | 0.12% | 3,105 |
| Q2 2024 | $24.3M | $21.2M | $18.7M | $2.7M | $52K | 0.43% | 4.14% | 0.25% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 0.60% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 4.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.92% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,160 |
Loan mix (Q1 2026): real estate $2.0M · commercial $0 · consumer $15.1M · securities $3.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.1% | 81.5% | 82th |
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.