| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.8% | +1.3% | -8.1 pts |
| Share growth (YoY) | -7.2% | +0.7% | -7.8 pts |
| Loan growth (YoY) | -13.3% | -2.4% | -11.0 pts |
| ROA | 0.60% | 0.60% | -0.0 pts |
| ROE | 4.4% | 4.1% | +0.3 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $95.2M | $81.9M | $58.7M | $13.0M | $143K | 0.60% | 3.83% | 1.11% | 9,111 |
| Q4 2025 | $96.5M | $83.4M | $61.5M | $12.9M | $-319K | -0.33% | 3.81% | 1.77% | 10,635 |
| Q3 2025 | $104.4M | $90.7M | $64.4M | $13.4M | $213K | 0.27% | 3.50% | 1.17% | 10,295 |
| Q2 2025 | $102.2M | $88.5M | $66.2M | $13.3M | $152K | 0.30% | 3.53% | 1.07% | 10,302 |
| Q1 2025 | $102.1M | $88.2M | $67.7M | $13.3M | $133K | 0.52% | 3.50% | 0.72% | 10,698 |
| Q4 2024 | $99.7M | $85.8M | $69.5M | $13.2M | $385K | 0.39% | 3.54% | 0.45% | 10,820 |
| Q3 2024 | $95.5M | $81.5M | $70.6M | $13.1M | $322K | 0.45% | 3.64% | 0.59% | 10,763 |
| Q2 2024 | $94.0M | $78.8M | $71.5M | $12.9M | $165K | 0.35% | 3.63% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.60% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.1% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 0.85% |
| 10,717 |
Loan mix (Q1 2026): real estate $19.3M · commercial $0 · consumer $37.4M · securities $14.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.8% | 81.5% | 43th |
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.