| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +1.3% | -3.1 pts |
| Share growth (YoY) | -3.2% | +0.7% | -3.9 pts |
| Loan growth (YoY) | -4.3% | -2.4% | -1.9 pts |
| ROA | 0.90% | 0.60% | +0.3 pts |
| ROE | 7.7% | 4.1% | +3.6 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $23.0M | $20.2M | $8.7M | $2.7M | $52K | 0.90% | 3.27% | 0.00% | 1,068 |
| Q4 2025 | $23.4M | $20.6M | $8.7M | $2.6M | $242K | 1.04% | 3.11% | 0.00% | 1,064 |
| Q3 2025 | $23.6M | $20.9M | $8.9M | $2.6M | $179K | 1.01% | 3.03% | 0.06% | 1,067 |
| Q2 2025 | $23.0M | $20.4M | $9.0M | $2.5M | $118K | 1.03% | 3.05% | 0.06% | 1,069 |
| Q1 2025 | $23.4M | $20.9M | $9.1M | $2.4M | $46K | 0.78% | 2.92% | 0.06% | 1,067 |
| Q4 2024 | $23.3M | $20.9M | $9.3M | $2.4M | $183K | 0.79% | 2.80% | 0.05% | 1,068 |
| Q3 2024 | $22.6M | $20.3M | $9.6M | $2.3M | $129K | 0.76% | 2.85% | 0.05% | 1,072 |
| Q2 2024 | $23.1M | $20.9M | $9.8M | $2.3M | $85K | 0.74% | 2.75% | 0.01% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.60% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 4.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,052 |
Loan mix (Q1 2026): real estate $3.0M · commercial $0 · consumer $4.7M · securities $10.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 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% |
The full ratio pack is part of CharterBench Pro.