| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +1.3% | +7.9 pts |
| Share growth (YoY) | +8.7% | +0.7% | +8.1 pts |
| Loan growth (YoY) | +6.2% | -2.4% | +8.5 pts |
| ROA | -0.04% | 0.60% | -0.6 pts |
| ROE | -0.5% | 4.1% | -4.6 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $78.2M | $70.4M | $59.8M | $6.7M | $-8K | -0.04% | 3.53% | 0.05% | 5,856 |
| Q4 2025 | $72.9M | $65.6M | $59.2M | $6.7M | $820K | 1.12% | 3.76% | 0.21% | 5,835 |
| Q3 2025 | $73.5M | $66.5M | $56.9M | $6.4M | $568K | 1.03% | 3.71% | 0.30% | 5,880 |
| Q2 2025 | $71.2M | $64.2M | $56.8M | $6.2M | $356K | 1.00% | 3.84% | 0.08% | 5,831 |
| Q1 2025 | $71.6M | $64.8M | $56.3M | $6.0M | $168K | 0.94% | 3.78% | 0.14% | 5,805 |
| Q4 2024 | $71.1M | $64.6M | $54.6M | $5.9M | $664K | 0.93% | 3.33% | 0.22% | 5,795 |
| Q3 2024 | $68.8M | $62.3M | $55.3M | $5.7M | $455K | 0.88% | 3.41% | 0.15% | 5,837 |
| Q2 2024 | $67.1M | $60.8M | $54.2M | $5.6M | $313K | 0.93% | 3.55% | 0.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.04% | 0.60% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | -0.5% | 4.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,775 |
Loan mix (Q1 2026): real estate $28.0M · commercial $0 · consumer $20.7M · securities $6.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.9% | 81.5% | 73th |
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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