| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +1.3% | -3.3 pts |
| Share growth (YoY) | -3.3% | +0.7% | -4.0 pts |
| Loan growth (YoY) | -0.8% | -2.4% | +1.6 pts |
| ROA | 1.49% | 0.60% | +0.9 pts |
| ROE | 11.6% | 4.1% | +7.5 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $85.7M | $73.7M | $56.6M | $11.0M | $319K | 1.49% | 5.19% | 0.19% | 9,082 |
| Q4 2025 | $83.6M | $71.7M | $58.3M | $10.7M | $646K | 0.77% | 5.18% | 0.61% | 9,520 |
| Q3 2025 | $83.6M | $72.3M | $59.0M | $10.7M | $515K | 0.82% | 5.16% | 0.50% | 9,946 |
| Q2 2025 | $85.3M | $73.8M | $59.2M | $10.5M | $311K | 0.73% | 4.99% | 0.62% | 10,041 |
| Q1 2025 | $87.4M | $76.2M | $57.1M | $10.3M | $122K | 0.56% | 4.81% | 0.40% | 9,999 |
| Q4 2024 | $83.9M | $73.1M | $58.1M | $10.2M | $431K | 0.51% | 4.99% | 1.05% | 9,948 |
| Q3 2024 | $82.6M | $71.0M | $59.4M | $10.3M | $295K | 0.48% | 5.07% | 1.17% | 9,915 |
| Q2 2024 | $84.7M | $73.1M | $58.6M | $10.3M | $344K | 0.81% | 4.92% | 0.97% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 0.60% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 4.1% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.19% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 9,853 |
Loan mix (Q1 2026): real estate $14.8M · commercial $0 · consumer $39.8M · securities $10.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.4% | 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% |
The full ratio pack is part of CharterBench Pro.