| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.6% | +1.3% | -7.9 pts |
| Share growth (YoY) | -5.3% | +0.7% | -6.0 pts |
| Loan growth (YoY) | -7.1% | -2.4% | -4.8 pts |
| ROA | 1.48% | 0.60% | +0.9 pts |
| ROE | 10.0% | 4.1% | +5.9 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.1M | $17.6M | $8.6M | $3.1M | $78K | 1.48% | 3.89% | 3.45% | 1,736 |
| Q4 2025 | $21.9M | $18.4M | $8.8M | $3.0M | $-438K | -2.00% | 4.32% | 4.40% | 1,964 |
| Q3 2025 | $21.6M | $18.0M | $9.0M | $3.2M | $-299K | -1.85% | 4.57% | 1.15% | 1,974 |
| Q2 2025 | $22.3M | $18.5M | $9.3M | $3.4M | $-132K | -1.18% | 4.54% | 3.06% | 1,938 |
| Q1 2025 | $22.6M | $18.5M | $9.3M | $3.5M | $29K | 0.52% | 4.13% | 1.37% | 1,993 |
| Q4 2024 | $22.8M | $18.9M | $9.3M | $3.5M | $197K | 0.87% | 4.09% | 3.00% | 1,962 |
| Q3 2024 | $22.3M | $18.4M | $9.7M | $3.5M | $194K | 1.16% | 4.07% | 3.66% | 1,977 |
| Q2 2024 | $22.9M | $19.0M | $9.7M | $3.5M | $174K | 1.52% | 4.21% | 1.31% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 0.60% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 4.1% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,948 |
Loan mix (Q1 2026): real estate $4.5M · commercial $0 · consumer $3.5M · securities $9.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.6% | 81.5% | 36th |
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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