| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | 0.0% | +3.9% | -3.9 pts |
| Share growth (YoY) | -0.3% | +3.3% | -3.6 pts |
| Loan growth (YoY) | -4.8% | +2.9% | -7.7 pts |
| ROA | 0.20% | 0.69% | -0.5 pts |
| ROE | 2.5% | 5.9% | -3.5 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $110.0M | $100.8M | $73.8M | $8.9M | $56K | 0.20% | 4.23% | 0.35% | 9,616 |
| Q4 2025 | $108.9M | $99.6M | $76.0M | $8.9M | $310K | 0.28% | 3.28% | 0.46% | 9,699 |
| Q3 2025 | $108.2M | $99.1M | $76.8M | $8.8M | $215K | 0.27% | 3.28% | 0.24% | 9,776 |
| Q2 2025 | $108.5M | $99.5M | $76.9M | $8.7M | $142K | 0.26% | 3.22% | 0.20% | 9,845 |
| Q1 2025 | $110.0M | $101.1M | $77.5M | $8.6M | $86K | 0.31% | 4.17% | 0.20% | 9,871 |
| Q4 2024 | $107.3M | $98.5M | $77.9M | $8.6M | $363K | 0.34% | 3.37% | 0.24% | 9,952 |
| Q3 2024 | $106.2M | $97.5M | $79.9M | $8.5M | $223K | 0.28% | 3.11% | 0.23% | 9,993 |
| Q2 2024 | $107.9M | $97.2M | $80.1M | $8.4M | $141K | 0.26% | 3.03% | 0.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 0.69% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 5.9% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 10,028 |
Loan mix (Q1 2026): real estate $28.4M · commercial $0 · consumer $44.7M · securities $16.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.3% | 78.7% | 93th |
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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