| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +1.3% | -0.6 pts |
| Share growth (YoY) | +0.2% | +0.7% | -0.5 pts |
| Loan growth (YoY) | -8.4% | -2.4% | -6.1 pts |
| ROA | 0.65% | 0.60% | +0.0 pts |
| ROE | 5.3% | 4.1% | +1.2 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $57.6M | $50.4M | $21.1M | $7.1M | $94K | 0.65% | 2.48% | 0.02% | 2,349 |
| Q4 2025 | $57.4M | $50.1M | $22.3M | $7.0M | $252K | 0.44% | 2.41% | 0.02% | 2,348 |
| Q3 2025 | $56.8M | $49.7M | $22.9M | $6.9M | $211K | 0.49% | 2.42% | 0.01% | 2,361 |
| Q2 2025 | $57.3M | $50.3M | $22.9M | $6.8M | $108K | 0.38% | 2.36% | 0.02% | 2,364 |
| Q1 2025 | $57.2M | $50.3M | $23.1M | $6.8M | $43K | 0.30% | 2.27% | 0.04% | 2,358 |
| Q4 2024 | $57.3M | $50.3M | $23.9M | $6.7M | $251K | 0.44% | 1.93% | 0.05% | 2,360 |
| Q3 2024 | $57.2M | $50.2M | $23.9M | $6.7M | $210K | 0.49% | 1.87% | 0.20% | 2,358 |
| Q2 2024 | $58.1M | $51.1M | $23.9M | $6.7M | $193K | 0.66% | 1.79% | 0.03% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.60% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.1% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.48% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,355 |
Loan mix (Q1 2026): real estate $10.9M · commercial $0 · consumer $9.0M · securities $25.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 81.5% | 47th |
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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