| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +1.3% | +7.9 pts |
| Share growth (YoY) | +10.1% | +0.7% | +9.4 pts |
| Loan growth (YoY) | -12.6% | -2.4% | -10.3 pts |
| ROA | 0.23% | 0.60% | -0.4 pts |
| ROE | 1.6% | 4.1% | -2.5 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.6M | $14.2M | $4.1M | $2.4M | $9K | 0.23% | 3.50% | 0.84% | 1,825 |
| Q4 2025 | $15.6M | $13.2M | $4.2M | $2.4M | $100K | 0.64% | 4.00% | 0.14% | 1,798 |
| Q3 2025 | $15.7M | $13.4M | $4.3M | $2.4M | $63K | 0.54% | 4.01% | 0.13% | 1,776 |
| Q2 2025 | $15.7M | $13.4M | $4.4M | $2.4M | $54K | 0.68% | 4.03% | 0.91% | 1,717 |
| Q1 2025 | $15.2M | $12.9M | $4.7M | $2.3M | $7K | 0.18% | 4.25% | 0.20% | 1,681 |
| Q4 2024 | $15.2M | $12.9M | $4.9M | $2.3M | $261K | 1.72% | 4.76% | 0.18% | 1,667 |
| Q3 2024 | $15.4M | $13.1M | $4.7M | $2.3M | $263K | 2.28% | 4.74% | 0.08% | 1,669 |
| Q2 2024 | $15.3M | $13.0M | $4.8M | $2.2M | $167K | 2.19% | 4.68% | 0.62% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.60% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 4.1% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,686 |
Loan mix (Q1 2026): real estate $518K · commercial $0 · consumer $3.2M · securities $4.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.3% | 81.5% | 75th |
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.