| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +1.3% | -4.3 pts |
| Share growth (YoY) | -5.7% | +0.7% | -6.4 pts |
| Loan growth (YoY) | -6.1% | -2.4% | -3.7 pts |
| ROA | 1.30% | 0.60% | +0.7 pts |
| ROE | 6.2% | 4.1% | +2.1 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $52.2M | $41.7M | $12.9M | $10.8M | $169K | 1.30% | 3.39% | 0.15% | 3,558 |
| Q4 2025 | $51.0M | $40.7M | $13.4M | $10.7M | $410K | 0.81% | 3.35% | 0.19% | 3,599 |
| Q3 2025 | $51.7M | $41.7M | $13.1M | $10.6M | $322K | 0.83% | 3.27% | 0.11% | 3,597 |
| Q2 2025 | $52.6M | $42.9M | $13.0M | $10.5M | $209K | 0.79% | 3.14% | 0.20% | 3,598 |
| Q1 2025 | $53.8M | $44.2M | $13.8M | $10.4M | $119K | 0.88% | 2.99% | 0.00% | 3,625 |
| Q4 2024 | $53.4M | $44.1M | $14.6M | $10.3M | $132K | 0.25% | 2.78% | 0.06% | 3,642 |
| Q3 2024 | $53.7M | $44.4M | $15.0M | $10.4M | $269K | 0.67% | 2.73% | 0.09% | 3,650 |
| Q2 2024 | $54.7M | $46.1M | $14.8M | $10.3M | $154K | 0.56% | 2.59% | 0.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 0.60% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 4.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,660 |
Loan mix (Q1 2026): real estate $2.6M · commercial $0 · consumer $10.0M · securities $32.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.5% | 81.5% | 19th |
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.