| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.3% | +1.3% | -4.6 pts |
| Share growth (YoY) | -5.0% | +0.7% | -5.6 pts |
| Loan growth (YoY) | +1.9% | -2.4% | +4.3 pts |
| ROA | 1.07% | 0.60% | +0.5 pts |
| ROE | 5.1% | 4.1% | +1.0 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $26.2M | $20.6M | $17.7M | $5.5M | $70K | 1.07% | 4.23% | 0.22% | 2,736 |
| Q4 2025 | $25.6M | $20.2M | $17.5M | $5.4M | $186K | 0.72% | 4.45% | 0.99% | 2,739 |
| Q3 2025 | $25.9M | $20.4M | $18.1M | $5.4M | $167K | 0.86% | 4.38% | 0.94% | 2,754 |
| Q2 2025 | $26.3M | $20.9M | $17.1M | $5.3M | $97K | 0.74% | 4.27% | 1.05% | 2,766 |
| Q1 2025 | $27.1M | $21.6M | $17.4M | $5.3M | $99K | 1.46% | 4.08% | 1.85% | 2,796 |
| Q4 2024 | $26.4M | $21.1M | $17.3M | $5.2M | $244K | 0.93% | 4.37% | 1.67% | 2,864 |
| Q3 2024 | $26.7M | $21.4M | $17.4M | $5.3M | $239K | 1.20% | 4.35% | 0.69% | 2,919 |
| Q2 2024 | $27.1M | $21.8M | $17.7M | $5.1M | $136K | 1.00% | 4.22% | 0.51% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.60% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 4.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,962 |
Loan mix (Q1 2026): real estate $8.7M · commercial $0 · consumer $6.5M · securities $4.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.8% | 81.5% | 43th |
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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