| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +1.3% | +3.5 pts |
| Share growth (YoY) | +5.1% | +0.7% | +4.4 pts |
| Loan growth (YoY) | -0.1% | -2.4% | +2.2 pts |
| ROA | 0.31% | 0.60% | -0.3 pts |
| ROE | 2.2% | 4.1% | -1.9 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $79.5M | $68.2M | $27.7M | $10.9M | $61K | 0.31% | 2.52% | 0.06% | 3,981 |
| Q4 2025 | $79.7M | $68.6M | $27.8M | $10.9M | $368K | 0.46% | 2.40% | 0.09% | 4,003 |
| Q3 2025 | $78.0M | $67.0M | $27.9M | $10.8M | $264K | 0.45% | 2.45% | 0.09% | 3,447 |
| Q2 2025 | $77.7M | $66.5M | $28.0M | $10.6M | $125K | 0.32% | 2.43% | 1.38% | 4,070 |
| Q1 2025 | $75.8M | $64.9M | $27.7M | $10.6M | $93K | 0.49% | 2.44% | 0.19% | 4,088 |
| Q4 2024 | $73.8M | $63.2M | $27.5M | $10.5M | $569K | 0.77% | 2.68% | 0.26% | 4,077 |
| Q3 2024 | $74.1M | $63.6M | $26.9M | $10.4M | $460K | 0.83% | 2.69% | 0.26% | 4,074 |
| Q2 2024 | $73.6M | $62.9M | $26.2M | $10.3M | $328K | 0.89% | 2.71% | 0.24% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.60% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.52% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,109 |
Loan mix (Q1 2026): real estate $21.1M · commercial $0 · consumer $6.4M · securities $42.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.3% | 81.5% | 68th |
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.