| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -16.9% | +1.3% | -18.2 pts |
| Share growth (YoY) | -18.7% | +0.7% | -19.4 pts |
| Loan growth (YoY) | -11.1% | -2.4% | -8.7 pts |
| ROA | 0.83% | 0.60% | +0.2 pts |
| ROE | 6.0% | 4.1% | +1.9 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $31.7M | $27.0M | $27.0M | $4.4M | $66K | 0.83% | 5.69% | 1.40% | 2,228 |
| Q4 2025 | $35.6M | $30.9M | $27.6M | $4.4M | $202K | 0.57% | 4.94% | 1.43% | 2,330 |
| Q3 2025 | $37.4M | $32.3M | $28.3M | $4.4M | $186K | 0.66% | 4.73% | 1.36% | 2,334 |
| Q2 2025 | $38.6M | $33.6M | $29.3M | $4.3M | $140K | 0.72% | 4.61% | 1.31% | 2,450 |
| Q1 2025 | $38.2M | $33.2M | $30.4M | $4.3M | $84K | 0.88% | 4.89% | 0.83% | 3,383 |
| Q4 2024 | $37.6M | $32.7M | $31.6M | $4.2M | $246K | 0.65% | 4.79% | 0.95% | 3,444 |
| Q3 2024 | $39.5M | $34.5M | $31.8M | $4.1M | $222K | 0.75% | 4.46% | 1.13% | 3,460 |
| Q2 2024 | $38.5M | $33.5M | $31.0M | $4.1M | $193K | 1.00% | 4.47% | 1.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.60% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 4.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.69% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,454 |
Loan mix (Q1 2026): real estate $691K · commercial $164K · consumer $26.1M · securities $17K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.2% | 81.5% | 59th |
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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