| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -2.6% | +0.7% | -3.2 pts |
| Loan growth (YoY) | -3.8% | -2.4% | -1.5 pts |
| ROA | 1.05% | 0.60% | +0.4 pts |
| ROE | 10.2% | 4.1% | +6.1 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $96.5M | $86.1M | $36.4M | $10.0M | $254K | 1.05% | 3.79% | 0.40% | 6,870 |
| Q4 2025 | $93.3M | $83.7M | $37.7M | $9.8M | $1.3M | 1.38% | 3.89% | 0.33% | 6,939 |
| Q3 2025 | $94.5M | $84.6M | $38.3M | $9.5M | $1.0M | 1.42% | 3.51% | 0.43% | 7,253 |
| Q2 2025 | $95.9M | $86.6M | $38.0M | $9.1M | $616K | 1.28% | 3.38% | 1.06% | 7,288 |
| Q1 2025 | $97.0M | $88.4M | $37.9M | $8.7M | $159K | 0.66% | 3.21% | 1.18% | 7,305 |
| Q4 2024 | $94.5M | $86.9M | $37.8M | $8.5M | $389K | 0.41% | 2.80% | 1.11% | 7,324 |
| Q3 2024 | $92.6M | $84.2M | $37.0M | $8.5M | $308K | 0.44% | 2.79% | 1.06% | 7,354 |
| Q2 2024 | $92.8M | $84.8M | $37.0M | $8.4M | $201K | 0.43% | 2.73% | 1.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.60% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 4.1% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,375 |
Loan mix (Q1 2026): real estate $16.9M · commercial $3.0M · consumer $15.6M · securities $48.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.9% | 81.5% | 33th |
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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