| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | -1.5% | +0.7% | -2.1 pts |
| Loan growth (YoY) | -4.2% | -2.4% | -1.9 pts |
| ROA | 0.19% | 0.60% | -0.4 pts |
| ROE | 1.6% | 4.1% | -2.5 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.4M | $12.6M | $7.7M | $1.8M | $7K | 0.19% | 3.33% | 2.73% | 1,178 |
| Q4 2025 | $14.6M | $12.8M | $7.9M | $1.8M | $-4K | -0.02% | 3.74% | 3.26% | 1,183 |
| Q3 2025 | $14.8M | $13.0M | $8.1M | $1.9M | $102K | 0.91% | 3.70% | 2.17% | 1,193 |
| Q2 2025 | $14.4M | $12.6M | $7.9M | $1.8M | $55K | 0.77% | 3.77% | 2.03% | 1,199 |
| Q1 2025 | $14.6M | $12.8M | $8.0M | $1.8M | $26K | 0.71% | 3.56% | 5.31% | 1,197 |
| Q4 2024 | $15.0M | $13.2M | $8.0M | $1.8M | $12K | 0.08% | 3.73% | 5.22% | 1,206 |
| Q3 2024 | $15.3M | $13.4M | $8.0M | $1.9M | $110K | 0.96% | 3.71% | 6.11% | 1,225 |
| Q2 2024 | $15.5M | $13.7M | $7.6M | $1.8M | $61K | 0.78% | 3.51% | 5.35% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.60% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 4.1% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,289 |
Loan mix (Q1 2026): real estate $3.2M · commercial $0 · consumer $3.1M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.7% | 81.5% | 78th |
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.