| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +3.9% | -4.2 pts |
| Share growth (YoY) | -1.3% | +3.3% | -4.6 pts |
| Loan growth (YoY) | -14.2% | +2.9% | -17.2 pts |
| ROA | 1.07% | 0.69% | +0.4 pts |
| ROE | 8.0% | 5.9% | +2.1 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $101.0M | $86.3M | $27.6M | $13.4M | $269K | 1.07% | 2.92% | 1.17% | 8,047 |
| Q4 2025 | $99.3M | $83.2M | $29.0M | $13.1M | $809K | 0.81% | 2.79% | 1.43% | 8,098 |
| Q3 2025 | $98.0M | $84.6M | $30.3M | $12.9M | $572K | 0.78% | 2.77% | 1.33% | 8,166 |
| Q2 2025 | $100.5M | $86.3M | $31.4M | $12.6M | $310K | 0.62% | 2.61% | 1.26% | 8,251 |
| Q1 2025 | $101.2M | $87.5M | $32.2M | $12.5M | $135K | 0.53% | 2.51% | 1.19% | 8,293 |
| Q4 2024 | $98.4M | $84.7M | $33.5M | $12.3M | $767K | 0.78% | 2.63% | 1.13% | 8,353 |
| Q3 2024 | $98.1M | $85.2M | $34.2M | $12.1M | $550K | 0.75% | 2.60% | 0.92% | 8,420 |
| Q2 2024 | $98.1M | $84.8M | $34.1M | $12.0M | $368K | 0.75% | 2.59% | 0.66% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.69% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 5.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 8,518 |
Loan mix (Q1 2026): real estate $3.8M · commercial $0 · consumer $19.0M · securities $49.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 78.7% | 26th |
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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