| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +1.3% | +0.8 pts |
| Share growth (YoY) | +1.7% | +0.7% | +1.0 pts |
| Loan growth (YoY) | -14.6% | -2.4% | -12.2 pts |
| ROA | 0.38% | 0.60% | -0.2 pts |
| ROE | 2.9% | 4.1% | -1.2 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $32.3M | $27.8M | $7.9M | $4.2M | $30K | 0.38% | 2.91% | 0.93% | 3,853 |
| Q4 2025 | $31.7M | $27.3M | $8.3M | $4.2M | $182K | 0.57% | 2.88% | 1.14% | 3,849 |
| Q3 2025 | $31.4M | $27.0M | $8.7M | $4.2M | $201K | 0.85% | 2.89% | 0.48% | 3,860 |
| Q2 2025 | $31.4M | $26.9M | $9.0M | $4.1M | $105K | 0.67% | 2.78% | 0.28% | 3,905 |
| Q1 2025 | $31.6M | $27.4M | $9.2M | $4.1M | $57K | 0.72% | 2.68% | 0.25% | 3,924 |
| Q4 2024 | $30.9M | $26.7M | $9.8M | $4.0M | $154K | 0.50% | 2.47% | 0.66% | 3,934 |
| Q3 2024 | $31.3M | $27.2M | $10.2M | $4.0M | $140K | 0.59% | 2.46% | 0.58% | 3,954 |
| Q2 2024 | $31.9M | $27.8M | $10.6M | $4.0M | $109K | 0.69% | 2.27% | 0.54% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.60% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 4.1% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,982 |
Loan mix (Q1 2026): real estate $1.5M · commercial $0 · consumer $6.2M · securities $20.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.3% | 81.5% | 61th |
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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