| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -1.0% | +0.7% | -1.6 pts |
| Loan growth (YoY) | -8.4% | -2.4% | -6.0 pts |
| ROA | 0.64% | 0.60% | +0.0 pts |
| ROE | 6.1% | 4.1% | +2.0 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $22.3M | $19.9M | $5.4M | $2.3M | $36K | 0.64% | 3.26% | 0.00% | 1,142 |
| Q4 2025 | $21.8M | $19.5M | $5.7M | $2.3M | $147K | 0.67% | 3.29% | 0.03% | 1,144 |
| Q3 2025 | $21.8M | $19.5M | $6.0M | $2.3M | $120K | 0.73% | 3.23% | 0.08% | 1,162 |
| Q2 2025 | $21.7M | $19.3M | $6.1M | $2.2M | $82K | 0.76% | 3.15% | 0.13% | 1,167 |
| Q1 2025 | $22.4M | $20.1M | $5.9M | $2.2M | $39K | 0.70% | 2.92% | 0.00% | 1,165 |
| Q4 2024 | $20.9M | $18.6M | $6.1M | $2.2M | $76K | 0.37% | 2.92% | 0.00% | 1,171 |
| Q3 2024 | $20.9M | $18.7M | $6.0M | $2.2M | $63K | 0.40% | 2.89% | 0.25% | 1,956 |
| Q2 2024 | $21.2M | $18.5M | $6.3M | $2.1M | $35K | 0.33% | 2.76% | 0.47% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.60% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 4.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,953 |
Loan mix (Q1 2026): real estate $1.0M · commercial $0 · consumer $3.6M · securities $13.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.8% | 81.5% | 60th |
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.