| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +1.3% | -4.0 pts |
| Share growth (YoY) | -4.1% | +0.7% | -4.8 pts |
| Loan growth (YoY) | -8.4% | -2.4% | -6.1 pts |
| ROA | 0.72% | 0.60% | +0.1 pts |
| ROE | 4.0% | 4.1% | -0.1 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.3M | $13.3M | $11.9M | $2.9M | $29K | 0.72% | 3.77% | 0.30% | 1,412 |
| Q4 2025 | $15.2M | $12.2M | $11.7M | $2.9M | $125K | 0.82% | 4.62% | 0.00% | 1,472 |
| Q3 2025 | $15.7M | $12.7M | $12.0M | $2.9M | $108K | 0.92% | 4.74% | 0.13% | 1,577 |
| Q2 2025 | $18.1M | $15.2M | $12.4M | $2.8M | $63K | 0.69% | 4.21% | 0.19% | 1,856 |
| Q1 2025 | $16.7M | $13.9M | $13.0M | $2.8M | $37K | 0.88% | 4.54% | 0.00% | 1,874 |
| Q4 2024 | $18.3M | $15.6M | $13.7M | $2.8M | $193K | 1.05% | 4.36% | 0.06% | 1,895 |
| Q3 2024 | $18.0M | $15.2M | $14.3M | $2.7M | $136K | 1.01% | 4.40% | 0.00% | 1,900 |
| Q2 2024 | $18.7M | $16.0M | $14.3M | $2.6M | $70K | 0.75% | 4.10% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.60% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,921 |
Loan mix (Q1 2026): real estate $3.9M · commercial $0 · consumer $3.2M · securities $66K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.7% | 81.5% | 65th |
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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