| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +1.3% | -2.3 pts |
| Share growth (YoY) | -3.0% | +0.7% | -3.7 pts |
| Loan growth (YoY) | +3.2% | -2.4% | +5.5 pts |
| ROA | 1.02% | 0.60% | +0.4 pts |
| ROE | 5.6% | 4.1% | +1.5 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $36.4M | $29.6M | $9.4M | $6.6M | $93K | 1.02% | 3.45% | 0.61% | 3,228 |
| Q4 2025 | $36.6M | $29.8M | $9.6M | $6.5M | $154K | 0.42% | 3.28% | 0.30% | 3,228 |
| Q3 2025 | $35.9M | $29.5M | $9.4M | $6.4M | $46K | 0.17% | 3.22% | 0.32% | 3,246 |
| Q2 2025 | $36.3M | $30.0M | $9.0M | $6.4M | $65K | 0.36% | 3.20% | 0.10% | 3,257 |
| Q1 2025 | $36.8M | $30.5M | $9.1M | $6.4M | $5K | 0.05% | 3.06% | 0.36% | 3,298 |
| Q4 2024 | $36.9M | $30.7M | $9.1M | $6.4M | $390K | 1.06% | 3.03% | 0.15% | 3,315 |
| Q3 2024 | $36.8M | $30.4M | $9.2M | $6.4M | $370K | 1.34% | 2.95% | 0.50% | 3,448 |
| Q2 2024 | $37.4M | $31.2M | $9.4M | $6.3M | $298K | 1.59% | 2.89% | 0.71% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 0.60% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.1% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,476 |
Loan mix (Q1 2026): real estate $336K · commercial $0 · consumer $7.9M · securities $22.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.7% | 81.5% | 32th |
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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