| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +1.3% | -1.6 pts |
| Share growth (YoY) | -2.4% | +0.7% | -3.1 pts |
| Loan growth (YoY) | -6.8% | -2.4% | -4.4 pts |
| ROA | 1.33% | 0.60% | +0.7 pts |
| ROE | 7.5% | 4.1% | +3.4 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $45.6M | $37.3M | $18.9M | $8.1M | $151K | 1.33% | 4.34% | 0.99% | 4,712 |
| Q4 2025 | $44.1M | $36.1M | $19.0M | $8.0M | $1.1M | 2.56% | 4.77% | 1.35% | 4,737 |
| Q3 2025 | $43.8M | $36.0M | $19.4M | $7.6M | $788K | 2.40% | 4.82% | 1.17% | 4,747 |
| Q2 2025 | $44.9M | $37.1M | $19.9M | $7.3M | $510K | 2.27% | 4.69% | 0.66% | 4,783 |
| Q1 2025 | $45.7M | $38.3M | $20.3M | $7.1M | $237K | 2.08% | 4.58% | 0.71% | 4,859 |
| Q4 2024 | $44.0M | $37.0M | $20.8M | $6.8M | $1.1M | 2.39% | 4.89% | 0.94% | 4,854 |
| Q3 2024 | $43.7M | $36.7M | $21.0M | $6.6M | $854K | 2.60% | 4.92% | 0.79% | 4,859 |
| Q2 2024 | $44.4M | $37.9M | $20.9M | $6.3M | $546K | 2.46% | 4.76% | 0.91% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 0.60% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 4.1% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.34% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,868 |
Loan mix (Q1 2026): real estate $4.0M · commercial $0 · consumer $14.5M · securities $14.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.4% | 81.5% | 32th |
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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