| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +1.3% | -1.6 pts |
| Share growth (YoY) | -1.7% | +0.7% | -2.4 pts |
| Loan growth (YoY) | -1.9% | -2.4% | +0.5 pts |
| ROA | 0.67% | 0.60% | +0.1 pts |
| ROE | 2.8% | 4.1% | -1.3 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.9M | $9.8M | $4.3M | $3.1M | $22K | 0.67% | 3.69% | 0.39% | 1,419 |
| Q4 2025 | $12.7M | $9.6M | $4.4M | $3.0M | $131K | 1.04% | 3.42% | 0.09% | 1,430 |
| Q3 2025 | $12.8M | $9.8M | $4.7M | $3.0M | $107K | 1.11% | 3.35% | 0.07% | 1,450 |
| Q2 2025 | $13.2M | $10.2M | $4.4M | $2.9M | $74K | 1.13% | 3.25% | 0.03% | 1,449 |
| Q1 2025 | $12.9M | $10.0M | $4.4M | $2.9M | $21K | 0.64% | 3.34% | 0.12% | 1,437 |
| Q4 2024 | $13.1M | $10.2M | $4.6M | $2.9M | $115K | 0.88% | 3.14% | 0.19% | 1,440 |
| Q3 2024 | $13.2M | $10.4M | $4.6M | $2.8M | $69K | 0.70% | 2.99% | 0.24% | 1,453 |
| Q2 2024 | $13.6M | $10.8M | $4.4M | $2.8M | $37K | 0.54% | 2.70% | 0.11% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.60% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,460 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.3M · securities $7.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.7% | 81.5% | 14th |
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.