| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +1.3% | -0.6 pts |
| Share growth (YoY) | +0.5% | +0.7% | -0.2 pts |
| Loan growth (YoY) | -2.9% | -2.4% | -0.5 pts |
| ROA | 0.58% | 0.60% | -0.0 pts |
| ROE | 3.4% | 4.1% | -0.7 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.3M | $13.4M | $8.9M | $2.8M | $24K | 0.58% | 4.50% | 1.98% | 1,896 |
| Q4 2025 | $16.4M | $13.5M | $9.0M | $2.8M | $56K | 0.34% | 4.68% | 1.61% | 1,894 |
| Q3 2025 | $16.1M | $13.2M | $9.3M | $2.9M | $55K | 0.46% | 4.66% | 2.14% | 1,906 |
| Q2 2025 | $16.2M | $13.2M | $9.2M | $2.9M | $122K | 1.50% | 4.59% | 2.17% | 1,883 |
| Q1 2025 | $16.2M | $13.4M | $9.2M | $2.9M | $35K | 0.85% | 4.55% | 0.42% | 1,851 |
| Q4 2024 | $16.2M | $13.4M | $9.4M | $2.8M | $48K | 0.30% | 4.43% | 1.32% | 1,883 |
| Q3 2024 | $16.3M | $13.4M | $9.3M | $3.0M | $78K | 0.64% | 4.68% | 1.68% | 1,878 |
| Q2 2024 | $16.3M | $13.5M | $9.3M | $2.9M | $11K | 0.13% | 4.59% | 0.27% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.60% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 4.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,876 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $8.7M · securities $6.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.9% | 81.5% | 33th |
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.