| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +1.3% | +0.5 pts |
| Share growth (YoY) | +0.9% | +0.7% | +0.2 pts |
| Loan growth (YoY) | -3.9% | -2.4% | -1.6 pts |
| ROA | 0.39% | 0.60% | -0.2 pts |
| ROE | 2.6% | 4.1% | -1.5 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $85.6M | $72.5M | $42.2M | $13.1M | $84K | 0.39% | 3.69% | 0.41% | 11,564 |
| Q4 2025 | $81.4M | $68.5M | $44.3M | $13.0M | $438K | 0.54% | 3.74% | 0.63% | 11,546 |
| Q3 2025 | $81.7M | $69.0M | $46.1M | $12.5M | $305K | 0.50% | 3.62% | 0.42% | 11,634 |
| Q2 2025 | $82.3M | $69.8M | $47.0M | $12.4M | $172K | 0.42% | 3.48% | 0.45% | 11,613 |
| Q1 2025 | $84.1M | $71.9M | $43.9M | $12.2M | $-19K | -0.09% | 3.08% | 0.81% | 11,635 |
| Q4 2024 | $79.4M | $67.3M | $45.1M | $12.2M | $235K | 0.30% | 3.12% | 0.79% | 12,544 |
| Q3 2024 | $77.0M | $64.1M | $45.3M | $12.1M | $120K | 0.21% | 3.05% | 0.65% | 12,538 |
| Q2 2024 | $77.7M | $65.5M | $44.3M | $12.1M | $145K | 0.37% | 3.16% | 0.55% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 0.60% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 4.1% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 12,453 |
Loan mix (Q1 2026): real estate $5.8M · commercial $0 · consumer $35.5M · securities $29.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.4% | 81.5% | 64th |
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% |
The full ratio pack is part of CharterBench Pro.