| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +0.2% | +0.7% | -0.5 pts |
| Loan growth (YoY) | -1.7% | -2.4% | +0.7 pts |
| ROA | 0.12% | 0.60% | -0.5 pts |
| ROE | 0.9% | 4.1% | -3.2 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $37.9M | $33.3M | $11.0M | $5.1M | $11K | 0.12% | 3.24% | 0.24% | 3,958 |
| Q4 2025 | $36.5M | $31.9M | $11.3M | $5.1M | $297K | 0.81% | 3.67% | 0.14% | 4,003 |
| Q3 2025 | $36.6M | $32.1M | $11.6M | $5.0M | $238K | 0.87% | 3.71% | 0.46% | 4,030 |
| Q2 2025 | $36.9M | $32.7M | $11.5M | $4.9M | $152K | 0.82% | 3.73% | 0.31% | 4,065 |
| Q1 2025 | $37.3M | $33.3M | $11.2M | $4.8M | $51K | 0.55% | 3.50% | 0.39% | 4,095 |
| Q4 2024 | $36.4M | $32.5M | $11.6M | $4.8M | $288K | 0.79% | 3.70% | 0.32% | 4,152 |
| Q3 2024 | $36.4M | $32.5M | $12.0M | $4.7M | $232K | 0.85% | 3.70% | 0.21% | 4,185 |
| Q2 2024 | $37.2M | $33.8M | $12.1M | $4.6M | $132K | 0.71% | 3.57% | 0.42% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 0.60% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 4.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,204 |
Loan mix (Q1 2026): real estate $2.4M · commercial $0 · consumer $8.2M · securities $18.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.8% | 81.5% | 76th |
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.