| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | -3.0% | +0.7% | -3.6 pts |
| Loan growth (YoY) | +1.1% | -2.4% | +3.5 pts |
| ROA | 1.15% | 0.60% | +0.5 pts |
| ROE | 9.2% | 4.1% | +5.1 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.9M | $9.6M | $4.8M | $1.4M | $32K | 1.15% | 4.09% | 2.80% | 1,544 |
| Q4 2025 | $10.8M | $9.4M | $4.8M | $1.3M | $161K | 1.50% | 4.13% | 3.07% | 1,570 |
| Q3 2025 | $10.7M | $9.3M | $4.9M | $1.3M | $139K | 1.74% | 4.40% | 2.14% | 1,561 |
| Q2 2025 | $11.0M | $9.7M | $4.8M | $1.3M | $89K | 1.62% | 4.21% | 1.27% | 1,554 |
| Q1 2025 | $11.1M | $9.8M | $4.8M | $1.2M | $43K | 1.56% | 4.11% | 1.33% | 1,560 |
| Q4 2024 | $11.0M | $9.8M | $4.9M | $1.2M | $175K | 1.59% | 3.93% | 1.36% | 1,595 |
| Q3 2024 | $10.9M | $9.7M | $4.9M | $1.2M | $146K | 1.79% | 4.17% | 0.46% | 1,593 |
| Q2 2024 | $10.6M | $9.5M | $4.9M | $1.1M | $79K | 1.49% | 3.88% | 0.50% | 1,581 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 0.60% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 4.1% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.4M · commercial $0 · consumer $3.3M · securities $4.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 81.5% | 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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