| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +1.3% | -1.4 pts |
| Share growth (YoY) | -1.7% | +0.7% | -2.3 pts |
| Loan growth (YoY) | -7.2% | -2.4% | -4.8 pts |
| ROA | 0.44% | 0.60% | -0.2 pts |
| ROE | 4.9% | 4.1% | +0.8 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $49.3M | $44.4M | $17.1M | $4.5M | $55K | 0.44% | 3.30% | 1.63% | 3,761 |
| Q4 2025 | $49.0M | $44.0M | $17.6M | $4.4M | $282K | 0.58% | 3.45% | 2.05% | 3,828 |
| Q3 2025 | $49.4M | $44.5M | $17.8M | $4.3M | $203K | 0.55% | 3.33% | 2.00% | 3,860 |
| Q2 2025 | $49.9M | $45.3M | $18.0M | $4.3M | $121K | 0.49% | 3.19% | 1.60% | 3,870 |
| Q1 2025 | $49.4M | $45.1M | $18.4M | $4.2M | $55K | 0.44% | 3.06% | 2.01% | 3,897 |
| Q4 2024 | $47.0M | $42.9M | $18.7M | $4.1M | $408K | 0.87% | 3.17% | 2.55% | 3,924 |
| Q3 2024 | $46.1M | $42.1M | $18.9M | $4.1M | $324K | 0.94% | 3.21% | 1.74% | 3,944 |
| Q2 2024 | $47.8M | $44.4M | $18.9M | $4.0M | $263K | 1.10% | 3.06% | 2.55% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.60% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 4.1% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,985 |
Loan mix (Q1 2026): real estate $10.9M · commercial $0 · consumer $5.7M · securities $24.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.2% | 81.5% | 56th |
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.