| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.7% | +1.3% | -8.0 pts |
| Share growth (YoY) | -8.7% | +0.7% | -9.3 pts |
| Loan growth (YoY) | -12.7% | -2.4% | -10.3 pts |
| ROA | 0.85% | 0.60% | +0.2 pts |
| ROE | 4.9% | 4.1% | +0.8 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.7M | $8.9M | $4.1M | $1.9M | $23K | 0.85% | 3.98% | 0.00% | 1,522 |
| Q4 2025 | $10.7M | $8.8M | $4.0M | $1.8M | $128K | 1.19% | 4.39% | 0.00% | 1,528 |
| Q3 2025 | $10.5M | $8.7M | $4.3M | $1.8M | $109K | 1.37% | 4.55% | 0.06% | 1,549 |
| Q2 2025 | $11.5M | $9.7M | $4.6M | $1.8M | $76K | 1.32% | 4.22% | 0.05% | 1,560 |
| Q1 2025 | $11.5M | $9.7M | $4.7M | $1.7M | $18K | 0.63% | 4.18% | 0.04% | 1,563 |
| Q4 2024 | $11.1M | $9.3M | $4.7M | $1.7M | $91K | 0.82% | 4.10% | 0.00% | 1,574 |
| Q3 2024 | $10.3M | $8.6M | $4.8M | $1.7M | $75K | 0.97% | 4.35% | 0.10% | 1,577 |
| Q2 2024 | $10.8M | $9.0M | $4.8M | $1.7M | $41K | 0.76% | 4.02% | 0.08% | 1,576 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.60% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 4.1% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $674K · commercial $0 · consumer $2.4M · securities $5.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 81.5% | 47th |
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% |
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