| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.5 pts |
| Share growth (YoY) | -0.1% | +0.7% | -0.8 pts |
| Loan growth (YoY) | -2.5% | -2.4% | -0.2 pts |
| ROA | 0.87% | 0.60% | +0.3 pts |
| ROE | 6.9% | 4.1% | +2.8 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $81.1M | $69.2M | $50.7M | $10.2M | $177K | 0.87% | 4.49% | 0.81% | 8,061 |
| Q4 2025 | $78.9M | $67.0M | $49.7M | $10.0M | $117K | 0.15% | 4.72% | 1.48% | 8,017 |
| Q3 2025 | $80.4M | $68.6M | $50.3M | $10.2M | $104K | 0.17% | 4.60% | 0.82% | 8,113 |
| Q2 2025 | $81.4M | $69.6M | $51.2M | $10.2M | $91K | 0.22% | 4.51% | 0.74% | 8,368 |
| Q1 2025 | $81.3M | $69.3M | $52.1M | $10.3M | $4K | 0.02% | 4.45% | 0.39% | 8,410 |
| Q4 2024 | $80.0M | $68.4M | $53.0M | $10.3M | $155K | 0.19% | 4.57% | 0.46% | 8,457 |
| Q3 2024 | $79.1M | $67.4M | $53.8M | $10.5M | $95K | 0.16% | 4.64% | 0.78% | 8,552 |
| Q2 2024 | $81.3M | $69.7M | $55.6M | $10.4M | $65K | 0.16% | 4.56% | 0.62% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.60% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 4.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,740 |
Loan mix (Q1 2026): real estate $8.2M · commercial $0 · consumer $38.3M · securities $11.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.6% | 81.5% | 53th |
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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