| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.0% | +1.3% | -1.3 pts |
| Share growth (YoY) | -1.5% | +0.7% | -2.1 pts |
| Loan growth (YoY) | -2.0% | -2.4% | +0.4 pts |
| ROA | 0.76% | 0.60% | +0.2 pts |
| ROE | 5.7% | 4.1% | +1.6 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $76.7M | $67.1M | $22.3M | $10.3M | $146K | 0.76% | 2.76% | 0.20% | 3,352 |
| Q4 2025 | $75.2M | $65.9M | $22.8M | $10.2M | $376K | 0.50% | 2.46% | 0.14% | 3,345 |
| Q3 2025 | $76.3M | $67.1M | $23.0M | $10.0M | $241K | 0.42% | 2.35% | 0.09% | 3,447 |
| Q2 2025 | $77.1M | $68.2M | $23.0M | $9.9M | $144K | 0.37% | 2.25% | 0.01% | 3,479 |
| Q1 2025 | $76.7M | $68.1M | $22.8M | $9.9M | $61K | 0.32% | 2.21% | 0.01% | 3,482 |
| Q4 2024 | $75.9M | $67.7M | $23.0M | $9.8M | $405K | 0.53% | 2.32% | 0.02% | 3,487 |
| Q3 2024 | $73.5M | $65.0M | $22.4M | $9.7M | $271K | 0.49% | 2.38% | 0.01% | 3,544 |
| Q2 2024 | $72.5M | $64.8M | $22.7M | $9.6M | $196K | 0.54% | 2.42% | 0.03% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.60% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 4.1% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,555 |
Loan mix (Q1 2026): real estate $19.7M · commercial $0 · consumer $2.4M · securities $49.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.1% | 81.5% | 35th |
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.