| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.5 pts |
| Share growth (YoY) | -2.3% | +0.7% | -2.9 pts |
| Loan growth (YoY) | +2.3% | -2.4% | +4.7 pts |
| ROA | 0.63% | 0.60% | +0.0 pts |
| ROE | 4.0% | 4.1% | -0.1 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $75.0M | $62.9M | $53.9M | $11.8M | $119K | 0.63% | 3.79% | 2.07% | 5,068 |
| Q4 2025 | $72.7M | $61.4M | $54.7M | $11.7M | $687K | 0.95% | 3.98% | 2.48% | 5,122 |
| Q3 2025 | $75.2M | $62.8M | $54.0M | $11.5M | $477K | 0.85% | 3.83% | 2.29% | 5,156 |
| Q2 2025 | $75.4M | $63.6M | $53.2M | $11.3M | $327K | 0.87% | 3.77% | 2.32% | 5,193 |
| Q1 2025 | $75.9M | $64.4M | $52.7M | $11.2M | $136K | 0.72% | 3.67% | 0.80% | 5,240 |
| Q4 2024 | $76.1M | $62.8M | $53.2M | $11.0M | $559K | 0.73% | 3.53% | 0.71% | 5,284 |
| Q3 2024 | $74.8M | $62.5M | $52.8M | $10.9M | $460K | 0.82% | 3.55% | 0.52% | 5,354 |
| Q2 2024 | $74.6M | $62.3M | $52.2M | $10.8M | $278K | 0.75% | 3.46% | 0.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.60% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,383 |
Loan mix (Q1 2026): real estate $29.7M · commercial $63K · consumer $22.3M · securities $9.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 81.5% | 44th |
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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