| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +1.3% | -4.3 pts |
| Share growth (YoY) | -3.9% | +0.7% | -4.5 pts |
| Loan growth (YoY) | -5.5% | -2.4% | -3.1 pts |
| ROA | 0.35% | 0.60% | -0.3 pts |
| ROE | 3.6% | 4.1% | -0.5 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $82.4M | $73.4M | $39.0M | $8.0M | $73K | 0.35% | 4.01% | 1.51% | 6,395 |
| Q4 2025 | $81.9M | $72.9M | $41.8M | $7.9M | $314K | 0.38% | 4.21% | 1.34% | 8,318 |
| Q3 2025 | $82.9M | $74.0M | $41.1M | $7.9M | $180K | 0.29% | 4.18% | 0.87% | 8,501 |
| Q2 2025 | $82.9M | $74.0M | $39.9M | $7.9M | $181K | 0.44% | 4.17% | 1.32% | 8,672 |
| Q1 2025 | $85.0M | $76.3M | $41.3M | $7.7M | $47K | 0.22% | 4.05% | 1.14% | 8,821 |
| Q4 2024 | $82.5M | $73.5M | $40.8M | $8.1M | $297K | 0.36% | 4.17% | 1.67% | 8,909 |
| Q3 2024 | $82.3M | $73.7M | $42.1M | $7.8M | $249K | 0.40% | 4.16% | 1.03% | 9,002 |
| Q2 2024 | $84.3M | $75.4M | $42.9M | $8.6M | $695K | 1.65% | 3.93% | 1.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.60% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 4.1% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 9,074 |
Loan mix (Q1 2026): real estate $16.1M · commercial $0 · consumer $21.6M · securities $25.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.9% | 81.5% | 73th |
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.