| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.9% | +1.3% | -5.2 pts |
| Share growth (YoY) | -4.0% | +0.7% | -4.6 pts |
| Loan growth (YoY) | -10.1% | -2.4% | -7.8 pts |
| ROA | 0.26% | 0.60% | -0.3 pts |
| ROE | 1.9% | 4.1% | -2.2 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $66.6M | $57.9M | $26.1M | $9.2M | $44K | 0.26% | 3.27% | 0.78% | 3,930 |
| Q4 2025 | $66.6M | $57.9M | $26.8M | $9.1M | $276K | 0.42% | 3.30% | 1.46% | 3,948 |
| Q3 2025 | $67.1M | $58.1M | $27.1M | $9.1M | $218K | 0.43% | 3.28% | 1.61% | 3,982 |
| Q2 2025 | $66.9M | $58.2M | $28.0M | $9.0M | $177K | 0.53% | 3.30% | 2.06% | 4,104 |
| Q1 2025 | $69.3M | $60.3M | $29.0M | $8.9M | $44K | 0.25% | 3.00% | 1.90% | 4,006 |
| Q4 2024 | $68.1M | $59.8M | $29.7M | $8.8M | $203K | 0.30% | 2.95% | 0.60% | 4,004 |
| Q3 2024 | $67.9M | $58.7M | $30.2M | $8.8M | $178K | 0.35% | 2.95% | 0.95% | 4,081 |
| Q2 2024 | $69.0M | $60.4M | $31.7M | $8.8M | $115K | 0.33% | 2.87% | 0.30% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 0.60% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 4.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,081 |
Loan mix (Q1 2026): real estate $14.8M · commercial $0 · consumer $9.7M · securities $35.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.7% | 81.5% | 72th |
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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