| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +1.3% | -0.1 pts |
| Share growth (YoY) | +0.4% | +0.7% | -0.2 pts |
| Loan growth (YoY) | -5.1% | -2.4% | -2.8 pts |
| ROA | 0.28% | 0.60% | -0.3 pts |
| ROE | 2.4% | 4.1% | -1.7 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $17.1M | $15.3M | $6.2M | $2.0M | $12K | 0.28% | 4.37% | 0.44% | 1,499 |
| Q4 2025 | $17.0M | $15.2M | $6.3M | $2.0M | $54K | 0.31% | 4.35% | 0.25% | 1,518 |
| Q3 2025 | $17.0M | $15.2M | $6.2M | $1.9M | $-4K | -0.03% | 4.33% | 0.43% | 1,543 |
| Q2 2025 | $17.1M | $15.4M | $6.3M | $1.9M | $-36K | -0.42% | 4.27% | 0.18% | 1,557 |
| Q1 2025 | $16.9M | $15.2M | $6.6M | $1.9M | $-44K | -1.03% | 4.22% | 2.28% | 1,579 |
| Q4 2024 | $16.3M | $14.5M | $6.9M | $1.9M | $92K | 0.57% | 4.58% | 0.59% | 1,609 |
| Q3 2024 | $16.6M | $14.8M | $7.1M | $1.9M | $81K | 0.65% | 4.48% | 0.42% | 1,639 |
| Q2 2024 | $16.5M | $14.8M | $7.2M | $1.9M | $363 | 0.00% | 4.52% | 0.47% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.60% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,646 |
Loan mix (Q1 2026): real estate $877K · commercial $0 · consumer $5.1M · securities $8.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.2% | 81.5% | 59th |
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.