| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -13.3% | +1.3% | -14.6 pts |
| Share growth (YoY) | -15.9% | +0.7% | -16.6 pts |
| Loan growth (YoY) | -11.6% | -2.4% | -9.2 pts |
| ROA | 0.98% | 0.60% | +0.4 pts |
| ROE | 7.2% | 4.1% | +3.1 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.9M | $7.7M | $5.5M | $1.2M | $22K | 0.98% | 5.58% | 1.93% | 1,423 |
| Q4 2025 | $8.9M | $7.7M | $5.8M | $1.2M | $68K | 0.76% | 5.60% | 1.41% | 1,508 |
| Q3 2025 | $8.7M | $7.5M | $6.0M | $1.2M | $46K | 0.70% | 5.65% | 1.69% | 1,511 |
| Q2 2025 | $9.3M | $8.1M | $6.2M | $1.1M | $2K | 0.04% | 5.02% | 0.87% | 1,662 |
| Q1 2025 | $10.3M | $9.1M | $6.2M | $1.2M | $11K | 0.44% | 3.98% | 0.70% | 1,703 |
| Q4 2024 | $10.3M | $9.2M | $6.6M | $1.1M | $62K | 0.60% | 4.39% | 1.04% | 1,708 |
| Q3 2024 | $10.1M | $9.0M | $6.8M | $1.2M | $67K | 0.88% | 4.78% | 0.28% | 1,711 |
| Q2 2024 | $10.4M | $9.2M | $6.8M | $1.1M | $25K | 0.48% | 4.29% | 0.84% | 1,703 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 0.60% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 4.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.3M · commercial $0 · consumer $3.0M · securities $1.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.1% | 81.5% | 58th |
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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