| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -31.0% | +1.3% | -32.3 pts |
| Share growth (YoY) | -37.5% | +0.7% | -38.2 pts |
| Loan growth (YoY) | -10.6% | -2.4% | -8.2 pts |
| ROA | 1.53% | 0.60% | +0.9 pts |
| ROE | 7.6% | 4.1% | +3.5 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $51.0M | $39.8M | $29.3M | $10.3M | $195K | 1.53% | 5.64% | 1.44% | 4,401 |
| Q4 2025 | $84.6M | $73.5M | $30.3M | $10.1M | $1.2M | 1.42% | 4.42% | 1.32% | 4,426 |
| Q3 2025 | $81.5M | $70.5M | $31.0M | $10.0M | $1.1M | 1.84% | 4.52% | 1.63% | 4,424 |
| Q2 2025 | $78.7M | $68.0M | $32.0M | $9.7M | $721K | 1.83% | 4.60% | 1.22% | 4,441 |
| Q1 2025 | $73.9M | $63.6M | $32.8M | $9.3M | $365K | 1.97% | 4.88% | 1.09% | 4,514 |
| Q4 2024 | $69.7M | $60.5M | $33.4M | $8.9M | $1.3M | 1.84% | 4.88% | 1.09% | 4,501 |
| Q3 2024 | $67.8M | $58.9M | $33.9M | $8.4M | $773K | 1.52% | 4.82% | 0.52% | 4,498 |
| Q2 2024 | $65.2M | $56.8M | $33.6M | $8.0M | $442K | 1.36% | 4.84% | 1.59% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 0.60% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 4.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.64% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,501 |
Loan mix (Q1 2026): real estate $6.0M · commercial $0 · consumer $20.1M · securities $5.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.8% | 81.5% | 39th |
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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