| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +1.3% | +3.5 pts |
| Share growth (YoY) | +5.6% | +0.7% | +4.9 pts |
| Loan growth (YoY) | -10.4% | -2.4% | -8.0 pts |
| ROA | 0.31% | 0.60% | -0.3 pts |
| ROE | 2.3% | 4.1% | -1.8 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $28.7M | $24.8M | $12.1M | $3.8M | $22K | 0.31% | 3.58% | 1.88% | 3,115 |
| Q4 2025 | $27.6M | $23.7M | $12.1M | $3.8M | $20K | 0.07% | 3.74% | 2.10% | 3,134 |
| Q3 2025 | $27.6M | $23.6M | $12.8M | $3.8M | $79K | 0.38% | 3.79% | 2.06% | 3,144 |
| Q2 2025 | $27.9M | $23.8M | $13.4M | $3.8M | $66K | 0.47% | 3.77% | 3.03% | 3,161 |
| Q1 2025 | $27.4M | $23.5M | $13.5M | $3.8M | $20K | 0.29% | 3.84% | 2.56% | 3,246 |
| Q4 2024 | $27.0M | $22.8M | $14.0M | $3.8M | $63K | 0.23% | 3.89% | 2.44% | 3,252 |
| Q3 2024 | $27.7M | $23.8M | $13.7M | $3.8M | $122K | 0.59% | 3.75% | 3.30% | 3,279 |
| Q2 2024 | $27.7M | $23.7M | $14.4M | $3.8M | $135K | 0.97% | 3.74% | 2.89% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.60% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 4.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,321 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $10.8M · securities $14.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.7% | 81.5% | 74th |
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.