| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | +0.6% | +0.7% | -0.1 pts |
| Loan growth (YoY) | -9.8% | -2.4% | -7.5 pts |
| ROA | 0.50% | 0.60% | -0.1 pts |
| ROE | 5.2% | 4.1% | +1.1 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $77.1M | $69.0M | $41.7M | $7.3M | $96K | 0.50% | 3.86% | 1.28% | 7,557 |
| Q4 2025 | $74.8M | $66.8M | $43.4M | $7.2M | $487K | 0.65% | 4.18% | 1.47% | 7,779 |
| Q3 2025 | $74.6M | $66.5M | $45.1M | $7.2M | $423K | 0.76% | 4.20% | 0.98% | 7,933 |
| Q2 2025 | $76.0M | $68.1M | $47.0M | $7.0M | $228K | 0.60% | 4.06% | 0.73% | 8,050 |
| Q1 2025 | $76.3M | $68.7M | $46.2M | $6.8M | $98K | 0.51% | 3.91% | 0.85% | 8,193 |
| Q4 2024 | $75.3M | $67.8M | $48.4M | $6.7M | $430K | 0.57% | 4.17% | 1.11% | 8,508 |
| Q3 2024 | $75.9M | $68.3M | $51.7M | $6.7M | $375K | 0.66% | 4.12% | 1.99% | 8,889 |
| Q2 2024 | $76.8M | $69.4M | $55.1M | $6.6M | $269K | 0.70% | 4.04% | 1.83% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.60% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 4.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 9,298 |
Loan mix (Q1 2026): real estate $9.9M · commercial $112K · consumer $28.9M · securities $17.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.9% | 81.5% | 51th |
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.