| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.9% | +1.3% | -4.2 pts |
| Share growth (YoY) | -4.1% | +0.7% | -4.8 pts |
| Loan growth (YoY) | +4.4% | -2.4% | +6.8 pts |
| ROA | 0.60% | 0.60% | -0.0 pts |
| ROE | 2.4% | 4.1% | -1.7 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.4M | $4.8M | $3.6M | $1.6M | $10K | 0.60% | 3.36% | 1.38% | 520 |
| Q4 2025 | $6.4M | $4.8M | $3.5M | $1.6M | $-3K | -0.04% | 2.71% | 1.63% | 522 |
| Q3 2025 | $6.5M | $4.8M | $3.5M | $1.6M | $-6K | -0.12% | 2.63% | 1.73% | 528 |
| Q2 2025 | $6.5M | $4.9M | $3.4M | $1.6M | $-5K | -0.14% | 2.55% | 1.94% | 498 |
| Q1 2025 | $6.6M | $5.0M | $3.4M | $1.6M | $-5K | -0.32% | 2.54% | 1.42% | 494 |
| Q4 2024 | $6.6M | $5.0M | $3.4M | $1.6M | $6K | 0.09% | 2.83% | 1.61% | 522 |
| Q3 2024 | $6.7M | $5.1M | $3.4M | $1.6M | $9K | 0.18% | 2.81% | 1.63% | 523 |
| Q2 2024 | $6.8M | $5.2M | $3.6M | $1.6M | $-1K | -0.03% | 2.76% | 0.63% | 527 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.60% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $28K · commercial $0 · consumer $3.1M · securities $2.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.3% | 81.5% | 52th |
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.