| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +1.3% | -1.1 pts |
| Share growth (YoY) | -0.4% | +0.7% | -1.1 pts |
| Loan growth (YoY) | -12.8% | -2.4% | -10.4 pts |
| ROA | 0.72% | 0.60% | +0.1 pts |
| ROE | 6.4% | 4.1% | +2.3 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $24.3M | $21.6M | $5.3M | $2.7M | $44K | 0.72% | 2.65% | 0.43% | 1,402 |
| Q4 2025 | $23.6M | $21.0M | $5.7M | $2.7M | $190K | 0.80% | 2.52% | 0.67% | 1,402 |
| Q3 2025 | $23.9M | $21.2M | $6.1M | $2.8M | $73K | 0.41% | 2.46% | 0.68% | 1,398 |
| Q2 2025 | $24.2M | $21.7M | $6.2M | $2.7M | $35K | 0.29% | 2.28% | 1.43% | 1,399 |
| Q1 2025 | $24.2M | $21.7M | $6.1M | $2.6M | $4K | 0.06% | 1.98% | 1.52% | 1,391 |
| Q4 2024 | $23.6M | $21.1M | $6.4M | $2.7M | $37K | 0.16% | 2.65% | 0.18% | 1,510 |
| Q3 2024 | $23.7M | $21.2M | $6.6M | $2.7M | $161K | 0.91% | 2.57% | 0.25% | 1,517 |
| Q2 2024 | $24.2M | $21.8M | $6.5M | $2.4M | $110K | 0.91% | 2.45% | 0.07% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.60% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 4.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,522 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.2M · securities $17.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 81.5% | 31th |
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.