| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.3% | +1.3% | -4.6 pts |
| Share growth (YoY) | -5.9% | +0.7% | -6.5 pts |
| Loan growth (YoY) | -0.4% | -2.4% | +2.0 pts |
| ROA | 1.44% | 0.60% | +0.8 pts |
| ROE | 6.7% | 4.1% | +2.6 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $79.6M | $62.1M | $40.6M | $17.0M | $286K | 1.44% | 3.65% | 0.42% | 4,364 |
| Q4 2025 | $78.5M | $61.5M | $41.6M | $16.8M | $1000K | 1.27% | 3.52% | 1.04% | 4,380 |
| Q3 2025 | $80.2M | $63.4M | $41.7M | $16.4M | $687K | 1.14% | 3.38% | 0.17% | 4,375 |
| Q2 2025 | $80.5M | $64.0M | $41.1M | $16.2M | $418K | 1.04% | 3.22% | 0.61% | 4,406 |
| Q1 2025 | $82.3M | $66.0M | $40.8M | $15.9M | $191K | 0.93% | 3.03% | 0.76% | 4,434 |
| Q4 2024 | $86.6M | $70.6M | $42.5M | $15.8M | $214K | 0.25% | 2.00% | 0.92% | 4,446 |
| Q3 2024 | $88.0M | $72.0M | $42.2M | $15.7M | $128K | 0.19% | 1.82% | 0.86% | 4,441 |
| Q2 2024 | $91.8M | $75.7M | $43.4M | $15.6M | $31K | 0.07% | 1.62% | 0.30% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 0.60% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,969 |
Loan mix (Q1 2026): real estate $18.8M · commercial $0 · consumer $21.2M · securities $22.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.6% | 81.5% | 19th |
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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