| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.3% | +1.3% | -4.6 pts |
| Share growth (YoY) | -3.9% | +0.7% | -4.6 pts |
| Loan growth (YoY) | -2.8% | -2.4% | -0.5 pts |
| ROA | 0.54% | 0.60% | -0.1 pts |
| ROE | 4.8% | 4.1% | +0.7 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $39.4M | $34.7M | $22.3M | $4.5M | $53K | 0.54% | 4.32% | 0.50% | 3,304 |
| Q4 2025 | $38.9M | $34.2M | $22.9M | $4.4M | $204K | 0.52% | 4.34% | 0.94% | 3,298 |
| Q3 2025 | $39.7M | $35.1M | $23.1M | $4.4M | $168K | 0.57% | 4.22% | 0.95% | 3,351 |
| Q2 2025 | $40.5M | $35.8M | $23.4M | $4.3M | $130K | 0.64% | 4.09% | 0.57% | 3,372 |
| Q1 2025 | $40.7M | $36.1M | $22.9M | $4.3M | $68K | 0.67% | 4.01% | 0.60% | 3,317 |
| Q4 2024 | $39.5M | $35.1M | $23.0M | $4.2M | $192K | 0.49% | 3.64% | 0.57% | 3,280 |
| Q3 2024 | $40.5M | $36.0M | $23.8M | $4.2M | $148K | 0.49% | 3.42% | 0.86% | 3,285 |
| Q2 2024 | $41.2M | $36.9M | $23.7M | $4.1M | $61K | 0.29% | 3.17% | 0.40% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.60% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 4.1% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,268 |
Loan mix (Q1 2026): real estate $7.2M · commercial $0 · consumer $14.4M · securities $9.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.2% | 81.5% | 16th |
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.