| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | +2.2% | +0.7% | +1.6 pts |
| Loan growth (YoY) | -1.0% | -2.4% | +1.3 pts |
| ROA | 0.19% | 0.60% | -0.4 pts |
| ROE | 2.1% | 4.1% | -2.0 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $40.2M | $37.3M | $16.2M | $3.6M | $19K | 0.19% | 3.06% | 0.75% | 4,514 |
| Q4 2025 | $39.3M | $36.4M | $16.5M | $3.6M | $123K | 0.31% | 2.97% | 1.22% | 4,537 |
| Q3 2025 | $39.6M | $36.3M | $16.9M | $3.5M | $98K | 0.33% | 2.92% | 1.56% | 4,557 |
| Q2 2025 | $39.2M | $36.6M | $16.5M | $3.5M | $34K | 0.18% | 2.81% | 1.91% | 4,561 |
| Q1 2025 | $39.9M | $36.4M | $16.4M | $3.5M | $3K | 0.03% | 2.49% | 1.00% | 4,582 |
| Q4 2024 | $39.7M | $36.2M | $15.5M | $3.4M | $56K | 0.14% | 2.55% | 1.19% | 4,601 |
| Q3 2024 | $39.6M | $35.5M | $15.5M | $3.5M | $52K | 0.18% | 2.57% | 0.98% | 4,612 |
| Q2 2024 | $39.2M | $35.6M | $15.1M | $3.5M | $43K | 0.22% | 2.58% | 0.71% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.60% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,627 |
Loan mix (Q1 2026): real estate $6.8M · commercial $0 · consumer $9.3M · securities $14.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.0% | 81.5% | 56th |
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.