| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +1.3% | -1.1 pts |
| Share growth (YoY) | -1.1% | +0.7% | -1.8 pts |
| Loan growth (YoY) | -2.0% | -2.4% | +0.4 pts |
| ROA | 0.67% | 0.60% | +0.1 pts |
| ROE | 1.4% | 4.1% | -2.7 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.6M | $6.0M | $5.1M | $5.4M | $20K | 0.67% | 4.97% | 1.54% | 1,248 |
| Q4 2025 | $11.6M | $6.0M | $5.1M | $5.4M | $53K | 0.46% | 4.60% | 0.57% | 1,252 |
| Q3 2025 | $11.6M | $6.2M | $5.2M | $5.4M | $47K | 0.54% | 4.61% | 0.65% | 1,434 |
| Q2 2025 | $11.7M | $6.2M | $5.1M | $5.3M | $-54K | -0.92% | 3.89% | 1.45% | 1,267 |
| Q1 2025 | $11.6M | $6.1M | $5.2M | $5.4M | $-23K | -0.79% | 4.51% | 2.72% | 1,276 |
| Q4 2024 | $11.5M | $6.1M | $5.2M | $5.4M | $-12K | -0.11% | 3.81% | 3.02% | 1,281 |
| Q3 2024 | $11.7M | $6.3M | $5.3M | $5.4M | $-15K | -0.18% | 3.61% | 2.58% | 1,276 |
| Q2 2024 | $12.0M | $6.6M | $5.2M | $5.3M | $-41K | -0.68% | 3.16% | 1.72% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.60% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 4.1% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.97% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,309 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.1M · securities $5.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.6% | 81.5% | 64th |
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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