| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | +1.2% | +0.7% | +0.6 pts |
| Loan growth (YoY) | -10.8% | -2.4% | -8.4 pts |
| ROA | 0.75% | 0.60% | +0.1 pts |
| ROE | 4.4% | 4.1% | +0.3 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.6M | $17.9M | $7.1M | $3.7M | $41K | 0.75% | 3.61% | 2.30% | 4,563 |
| Q4 2025 | $20.8M | $17.7M | $7.3M | $3.6M | $-132K | -0.63% | 4.03% | 4.01% | 4,580 |
| Q3 2025 | $21.1M | $17.3M | $7.6M | $3.7M | $-42K | -0.26% | 4.02% | 4.09% | 4,593 |
| Q2 2025 | $21.1M | $17.4M | $7.7M | $3.7M | $-65K | -0.61% | 4.03% | 2.54% | 4,580 |
| Q1 2025 | $21.5M | $17.7M | $7.9M | $3.8M | $15K | 0.29% | 3.96% | 3.22% | 4,599 |
| Q4 2024 | $20.6M | $16.8M | $8.0M | $3.8M | $-61K | -0.30% | 4.53% | 2.07% | 4,617 |
| Q3 2024 | $21.1M | $17.3M | $8.3M | $3.8M | $-34K | -0.22% | 4.49% | 3.96% | 4,640 |
| Q2 2024 | $21.8M | $17.9M | $8.6M | $3.7M | $-57K | -0.53% | 4.37% | 3.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.60% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.1% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,673 |
Loan mix (Q1 2026): real estate $1.4M · commercial $49K · consumer $4.9M · securities $6.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.4% | 81.5% | 89th |
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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