| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +1.3% | -2.5 pts |
| Share growth (YoY) | -5.6% | +0.7% | -6.3 pts |
| Loan growth (YoY) | -15.5% | -2.4% | -13.1 pts |
| ROA | 2.06% | 0.60% | +1.5 pts |
| ROE | 4.2% | 4.1% | +0.1 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.4M | $2.2M | $2.1M | $2.1M | $23K | 2.06% | 4.39% | 0.88% | 365 |
| Q4 2025 | $4.3M | $2.2M | $2.2M | $2.1M | $71K | 1.64% | 4.37% | 0.91% | 373 |
| Q3 2025 | $4.4M | $2.3M | $2.3M | $2.1M | $57K | 1.73% | 4.35% | 0.00% | 372 |
| Q2 2025 | $4.6M | $2.5M | $2.3M | $2.1M | $42K | 1.81% | 4.05% | 1.91% | 369 |
| Q1 2025 | $4.4M | $2.4M | $2.4M | $2.1M | $21K | 1.91% | 4.31% | 2.36% | 374 |
| Q4 2024 | $4.4M | $2.3M | $2.7M | $2.1M | $60K | 1.35% | 4.21% | 0.02% | 365 |
| Q3 2024 | $4.4M | $2.3M | $3.0M | $2.1M | $58K | 1.75% | 4.17% | 0.04% | 364 |
| Q2 2024 | $4.5M | $2.4M | $3.0M | $2.0M | $43K | 1.91% | 3.79% | 0.12% | 361 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.06% | 0.60% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.1% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.8M · securities $1.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.3% | 81.5% | 6th |
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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