| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +1.3% | +3.0 pts |
| Share growth (YoY) | +4.5% | +0.7% | +3.8 pts |
| Loan growth (YoY) | -5.3% | -2.4% | -3.0 pts |
| ROA | 0.38% | 0.60% | -0.2 pts |
| ROE | 4.0% | 4.1% | -0.1 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.1M | $19.1M | $6.4M | $2.0M | $20K | 0.38% | 3.26% | 0.04% | 2,028 |
| Q4 2025 | $20.3M | $18.3M | $6.6M | $2.0M | $71K | 0.35% | 3.44% | 0.03% | 2,031 |
| Q3 2025 | $20.0M | $17.9M | $6.6M | $2.0M | $52K | 0.35% | 3.48% | 0.30% | 2,066 |
| Q2 2025 | $19.9M | $17.9M | $6.9M | $1.9M | $34K | 0.34% | 3.52% | 0.71% | 2,103 |
| Q1 2025 | $20.2M | $18.3M | $6.8M | $1.9M | $20K | 0.40% | 3.52% | 0.39% | 2,097 |
| Q4 2024 | $19.6M | $17.7M | $6.8M | $1.9M | $33K | 0.17% | 3.05% | 0.45% | 2,095 |
| Q3 2024 | $19.9M | $17.9M | $6.8M | $1.9M | $21K | 0.14% | 2.97% | 0.64% | 2,110 |
| Q2 2024 | $20.3M | $18.4M | $7.0M | $1.9M | $11K | 0.11% | 2.81% | 0.31% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.60% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,122 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.1M · securities $12.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.6% | 81.5% | 64th |
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.