| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +1.3% | +2.1 pts |
| Share growth (YoY) | +4.1% | +0.7% | +3.4 pts |
| Loan growth (YoY) | +0.6% | -2.4% | +3.0 pts |
| ROA | 0.24% | 0.60% | -0.4 pts |
| ROE | 1.1% | 4.1% | -3.0 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $73.6M | $57.8M | $25.4M | $15.5M | $44K | 0.24% | 1.62% | 0.94% | 1,512 |
| Q4 2025 | $72.4M | $56.5M | $25.9M | $15.4M | $125K | 0.17% | 1.64% | 0.99% | 1,508 |
| Q3 2025 | $72.2M | $56.5M | $25.8M | $15.4M | $87K | 0.16% | 1.65% | 0.96% | 1,524 |
| Q2 2025 | $72.3M | $56.7M | $25.4M | $15.4M | $76K | 0.21% | 1.66% | 0.90% | 1,531 |
| Q1 2025 | $71.2M | $55.5M | $25.3M | $15.3M | $20K | 0.11% | 1.59% | 0.37% | 1,537 |
| Q4 2024 | $69.0M | $53.5M | $26.3M | $15.3M | $3K | 0.00% | 1.39% | 0.99% | 1,537 |
| Q3 2024 | $68.3M | $52.7M | $26.6M | $15.3M | $-14K | -0.03% | 1.37% | 1.18% | 1,557 |
| Q2 2024 | $69.3M | $53.8M | $27.2M | $15.3M | $-11K | -0.03% | 1.33% | 1.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.60% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.1% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,557 |
Loan mix (Q1 2026): real estate $21.5M · commercial $0 · consumer $3.5M · securities $40.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.0% | 81.5% | 58th |
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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