| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +1.3% | -4.0 pts |
| Share growth (YoY) | -3.4% | +0.7% | -4.1 pts |
| Loan growth (YoY) | -9.9% | -2.4% | -7.6 pts |
| ROA | 0.53% | 0.60% | -0.1 pts |
| ROE | 4.9% | 4.1% | +0.8 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $27.9M | $24.8M | $11.9M | $3.0M | $37K | 0.53% | 2.81% | 0.07% | 1,954 |
| Q4 2025 | $26.9M | $23.8M | $12.4M | $3.0M | $164K | 0.61% | 2.84% | 0.21% | 1,962 |
| Q3 2025 | $27.3M | $24.2M | $12.8M | $2.9M | $143K | 0.70% | 2.81% | 0.44% | 1,980 |
| Q2 2025 | $28.0M | $25.0M | $12.6M | $2.9M | $81K | 0.58% | 2.68% | 0.34% | 2,017 |
| Q1 2025 | $28.6M | $25.7M | $13.3M | $2.8M | $37K | 0.52% | 2.49% | 0.00% | 2,031 |
| Q4 2024 | $28.3M | $25.3M | $13.6M | $2.8M | $132K | 0.47% | 2.42% | 0.21% | 2,034 |
| Q3 2024 | $28.9M | $26.0M | $13.8M | $2.8M | $117K | 0.54% | 2.34% | 0.01% | 2,035 |
| Q2 2024 | $29.1M | $26.3M | $14.2M | $2.7M | $74K | 0.51% | 2.25% | 0.11% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.60% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 4.1% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.81% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,054 |
Loan mix (Q1 2026): real estate $5.5M · commercial $0 · consumer $5.1M · securities $9.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.4% | 81.5% | 52th |
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.