| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +1.3% | -4.0 pts |
| Share growth (YoY) | -3.7% | +0.7% | -4.3 pts |
| Loan growth (YoY) | -5.8% | -2.4% | -3.4 pts |
| ROA | 0.36% | 0.60% | -0.2 pts |
| ROE | 2.8% | 4.1% | -1.3 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $62.2M | $54.1M | $24.6M | $7.9M | $56K | 0.36% | 3.58% | 0.09% | 5,651 |
| Q4 2025 | $61.4M | $52.6M | $24.5M | $7.8M | $168K | 0.27% | 3.63% | 0.13% | 5,799 |
| Q3 2025 | $61.7M | $53.8M | $24.2M | $7.8M | $122K | 0.26% | 3.57% | 0.07% | 5,763 |
| Q2 2025 | $62.7M | $54.8M | $24.9M | $7.7M | $81K | 0.26% | 3.50% | 0.15% | 5,824 |
| Q1 2025 | $63.9M | $56.1M | $26.1M | $7.7M | $49K | 0.31% | 3.41% | 0.21% | 5,950 |
| Q4 2024 | $64.4M | $56.7M | $27.4M | $7.7M | $125K | 0.19% | 2.95% | 0.65% | 6,154 |
| Q3 2024 | $55.8M | $48.3M | $25.5M | $7.1M | $76K | 0.18% | 3.21% | 0.24% | 5,000 |
| Q2 2024 | $57.6M | $50.2M | $25.9M | $7.0M | $22K | 0.08% | 3.00% | 0.09% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.60% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 4.1% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,929 |
Loan mix (Q1 2026): real estate $13.4M · commercial $33K · consumer $8.8M · securities $32.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.4% | 81.5% | 73th |
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.