| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +1.3% | +1.4 pts |
| Share growth (YoY) | +1.9% | +0.7% | +1.3 pts |
| Loan growth (YoY) | -12.2% | -2.4% | -9.9 pts |
| ROA | 0.60% | 0.60% | -0.0 pts |
| ROE | 3.5% | 4.1% | -0.6 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.4M | $12.0M | $3.1M | $2.5M | $21K | 0.60% | 2.94% | 0.12% | 1,205 |
| Q4 2025 | $14.4M | $12.0M | $3.3M | $2.4M | $113K | 0.78% | 3.29% | 0.25% | 1,202 |
| Q3 2025 | $14.2M | $11.9M | $3.5M | $2.4M | $68K | 0.64% | 3.55% | 0.20% | 1,166 |
| Q2 2025 | $14.3M | $12.0M | $3.5M | $2.4M | $30K | 0.42% | 3.53% | 0.00% | 1,167 |
| Q1 2025 | $14.0M | $11.7M | $3.5M | $2.4M | $-33K | -0.96% | 2.90% | 0.00% | 1,183 |
| Q4 2024 | $13.9M | $11.7M | $3.8M | $2.3M | $144K | 1.03% | 3.23% | 1.81% | 1,224 |
| Q3 2024 | $13.7M | $11.6M | $3.5M | $2.3M | $107K | 1.04% | 3.25% | 0.99% | 1,251 |
| Q2 2024 | $13.9M | $11.9M | $3.5M | $2.2M | $67K | 0.96% | 3.18% | 0.11% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.60% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.1% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,248 |
Loan mix (Q1 2026): real estate $30K · commercial $0 · consumer $3.0M · securities $5.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.6% | 81.5% | 53th |
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.