| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +1.3% | +2.5 pts |
| Share growth (YoY) | +3.5% | +0.7% | +2.8 pts |
| Loan growth (YoY) | -5.9% | -2.4% | -3.6 pts |
| ROA | 0.52% | 0.60% | -0.1 pts |
| ROE | 4.8% | 4.1% | +0.7 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $49.3M | $43.9M | $19.1M | $5.3M | $64K | 0.52% | 2.42% | 0.00% | 2,929 |
| Q4 2025 | $48.8M | $43.5M | $19.4M | $5.2M | $252K | 0.52% | 2.42% | 0.00% | 2,931 |
| Q3 2025 | $48.1M | $42.8M | $19.8M | $5.2M | $186K | 0.52% | 2.46% | 0.00% | 2,978 |
| Q2 2025 | $47.5M | $42.3M | $20.3M | $5.1M | $116K | 0.49% | 2.45% | 0.00% | 2,992 |
| Q1 2025 | $47.5M | $42.4M | $20.3M | $5.0M | $24K | 0.20% | 2.34% | 0.00% | 2,983 |
| Q4 2024 | $46.6M | $41.5M | $20.9M | $5.0M | $246K | 0.53% | 2.38% | 0.00% | 2,997 |
| Q3 2024 | $44.9M | $39.9M | $21.1M | $4.9M | $203K | 0.60% | 2.46% | 0.00% | 3,010 |
| Q2 2024 | $44.1M | $39.2M | $21.2M | $4.9M | $125K | 0.57% | 2.47% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.60% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 4.1% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.42% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,019 |
Loan mix (Q1 2026): real estate $15.9M · commercial $0 · consumer $1.6M · securities $24.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.1% | 81.5% | 51th |
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.