| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +1.3% | -1.6 pts |
| Share growth (YoY) | +0.4% | +0.7% | -0.2 pts |
| Loan growth (YoY) | -4.0% | -2.4% | -1.6 pts |
| ROA | 0.34% | 0.60% | -0.3 pts |
| ROE | 3.2% | 4.1% | -0.9 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $39.0M | $35.0M | $15.6M | $4.2M | $34K | 0.34% | 3.10% | 4.93% | 2,486 |
| Q4 2025 | $40.0M | $35.5M | $16.3M | $4.2M | $105K | 0.26% | 3.00% | 3.17% | 2,483 |
| Q3 2025 | $39.3M | $34.9M | $16.3M | $4.2M | $65K | 0.22% | 2.98% | 2.25% | 2,498 |
| Q2 2025 | $38.7M | $34.3M | $16.2M | $4.1M | $27K | 0.14% | 2.90% | 5.34% | 2,507 |
| Q1 2025 | $39.1M | $34.8M | $16.2M | $4.1M | $7K | 0.07% | 2.73% | 3.13% | 2,510 |
| Q4 2024 | $38.8M | $34.7M | $17.1M | $4.1M | $-49K | -0.13% | 2.57% | 2.25% | 2,505 |
| Q3 2024 | $40.6M | $36.3M | $17.4M | $4.1M | $-65K | -0.21% | 2.41% | 1.45% | 2,503 |
| Q2 2024 | $40.0M | $36.2M | $17.8M | $4.1M | $-44K | -0.22% | 2.43% | 1.60% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.60% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.1% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,507 |
Loan mix (Q1 2026): real estate $8.0M · commercial $0 · consumer $6.5M · securities $19.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 81.5% | 49th |
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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