| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +1.3% | -0.0 pts |
| Share growth (YoY) | +1.2% | +0.7% | +0.5 pts |
| Loan growth (YoY) | -10.0% | -2.4% | -7.6 pts |
| ROA | 0.53% | 0.60% | -0.1 pts |
| ROE | 2.7% | 4.1% | -1.4 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $45.7M | $36.1M | $13.6M | $9.1M | $61K | 0.53% | 2.96% | 0.49% | 3,420 |
| Q4 2025 | $45.0M | $35.4M | $14.1M | $9.1M | $259K | 0.58% | 2.90% | 1.30% | 3,852 |
| Q3 2025 | $45.0M | $35.4M | $14.7M | $9.0M | $219K | 0.65% | 2.86% | 1.20% | 3,922 |
| Q2 2025 | $44.8M | $35.4M | $14.8M | $8.9M | $114K | 0.51% | 2.79% | 1.21% | 3,400 |
| Q1 2025 | $45.1M | $35.7M | $15.2M | $8.9M | $47K | 0.41% | 2.64% | 0.44% | 3,427 |
| Q4 2024 | $44.8M | $35.4M | $15.4M | $8.8M | $355K | 0.79% | 3.03% | 1.05% | 3,596 |
| Q3 2024 | $44.2M | $34.8M | $16.4M | $8.8M | $319K | 0.96% | 3.15% | 0.85% | 3,618 |
| Q2 2024 | $44.5M | $35.2M | $17.1M | $8.7M | $234K | 1.05% | 3.31% | 0.97% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.60% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,662 |
Loan mix (Q1 2026): real estate $1.6M · commercial $0 · consumer $10.2M · securities $29.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.5% | 81.5% | 55th |
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.