| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.5 pts |
| Share growth (YoY) | -2.3% | +0.7% | -2.9 pts |
| Loan growth (YoY) | -9.3% | -2.4% | -6.9 pts |
| ROA | 1.67% | 0.60% | +1.1 pts |
| ROE | 7.3% | 4.1% | +3.2 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $51.0M | $38.9M | $21.5M | $11.7M | $213K | 1.67% | 3.41% | 0.81% | 3,352 |
| Q4 2025 | $51.5M | $39.7M | $22.5M | $11.5M | $987K | 1.92% | 3.54% | 0.25% | 3,379 |
| Q3 2025 | $51.7M | $40.1M | $23.1M | $11.3M | $793K | 2.05% | 3.53% | 0.38% | 3,410 |
| Q2 2025 | $51.4M | $40.1M | $23.2M | $11.0M | $535K | 2.08% | 3.50% | 0.35% | 3,434 |
| Q1 2025 | $51.1M | $39.8M | $23.7M | $10.8M | $265K | 2.08% | 3.51% | 0.62% | 3,475 |
| Q4 2024 | $51.3M | $40.4M | $24.6M | $10.5M | $862K | 1.68% | 3.14% | 0.15% | 3,500 |
| Q3 2024 | $51.3M | $40.7M | $24.6M | $10.3M | $639K | 1.66% | 3.03% | 0.48% | 3,515 |
| Q2 2024 | $50.4M | $39.9M | $24.4M | $10.1M | $430K | 1.71% | 2.96% | 0.30% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 0.60% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 4.1% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,518 |
Loan mix (Q1 2026): real estate $52K · commercial $0 · consumer $15.5M · securities $20.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.8% | 81.5% | 8th |
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.