| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +1.3% | -1.7 pts |
| Share growth (YoY) | -2.5% | +0.7% | -3.1 pts |
| Loan growth (YoY) | -2.9% | -2.4% | -0.6 pts |
| ROA | 1.40% | 0.60% | +0.8 pts |
| ROE | 6.9% | 4.1% | +2.8 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $27.7M | $22.0M | $9.4M | $5.6M | $97K | 1.40% | 3.54% | 0.02% | 3,295 |
| Q4 2025 | $27.9M | $22.4M | $9.7M | $5.5M | $449K | 1.61% | 3.63% | 0.02% | 3,300 |
| Q3 2025 | $27.8M | $22.3M | $9.9M | $5.4M | $342K | 1.64% | 3.62% | 0.01% | 3,300 |
| Q2 2025 | $27.9M | $22.6M | $9.9M | $5.3M | $262K | 1.87% | 3.79% | 0.01% | 3,296 |
| Q1 2025 | $27.8M | $22.6M | $9.7M | $5.2M | $131K | 1.89% | 3.79% | 0.01% | 3,048 |
| Q4 2024 | $27.3M | $22.2M | $9.7M | $5.1M | $572K | 2.10% | 4.12% | 0.02% | 3,057 |
| Q3 2024 | $27.9M | $22.9M | $9.9M | $4.9M | $459K | 2.19% | 4.04% | 0.01% | 3,046 |
| Q2 2024 | $27.9M | $23.1M | $10.0M | $4.8M | $310K | 2.22% | 4.05% | 0.67% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 0.60% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 4.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,035 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $7.5M · securities $13.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.7% | 81.5% | 13th |
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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