| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +1.3% | -2.3 pts |
| Share growth (YoY) | -1.7% | +0.7% | -2.4 pts |
| Loan growth (YoY) | -11.5% | -2.4% | -9.2 pts |
| ROA | 1.68% | 0.60% | +1.1 pts |
| ROE | 7.3% | 4.1% | +3.2 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $27.0M | $20.7M | $14.0M | $6.2M | $113K | 1.68% | 3.10% | 0.00% | 583 |
| Q4 2025 | $26.7M | $20.6M | $15.3M | $6.1M | $144K | 0.54% | 1.81% | 0.00% | 589 |
| Q3 2025 | $26.5M | $20.0M | $15.6M | $6.4M | $470K | 2.37% | 3.63% | 0.00% | 594 |
| Q2 2025 | $27.6M | $21.3M | $15.6M | $6.3M | $304K | 2.21% | 3.47% | 0.00% | 595 |
| Q1 2025 | $27.2M | $21.1M | $15.9M | $6.1M | $154K | 2.27% | 3.43% | 0.00% | 600 |
| Q4 2024 | $27.7M | $21.7M | $15.9M | $6.0M | $283K | 1.02% | 2.18% | 0.00% | 603 |
| Q3 2024 | $26.8M | $20.5M | $15.7M | $6.2M | $526K | 2.62% | 3.78% | 0.00% | 604 |
| Q2 2024 | $27.4M | $21.4M | $15.8M | $6.0M | $345K | 2.51% | 3.67% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.68% | 0.60% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 4.1% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 611 |
Loan mix (Q1 2026): real estate $10.2M · commercial $2.7M · consumer $544K · securities $8.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.9% | 81.5% | 3th |
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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