| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +1.3% | -3.5 pts |
| Share growth (YoY) | -4.0% | +0.7% | -4.7 pts |
| Loan growth (YoY) | -1.3% | -2.4% | +1.0 pts |
| ROA | 1.00% | 0.60% | +0.4 pts |
| ROE | 7.7% | 4.1% | +3.6 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $40.7M | $35.0M | $19.9M | $5.3M | $101K | 1.00% | 3.37% | 0.17% | 1,666 |
| Q4 2025 | $41.6M | $36.0M | $20.2M | $5.2M | $452K | 1.09% | 3.24% | 0.28% | 1,677 |
| Q3 2025 | $40.9M | $35.5M | $20.4M | $5.0M | $333K | 1.08% | 3.29% | 0.20% | 1,678 |
| Q2 2025 | $41.7M | $36.4M | $20.2M | $4.9M | $208K | 1.00% | 3.18% | 0.54% | 1,689 |
| Q1 2025 | $41.6M | $36.5M | $20.2M | $4.8M | $115K | 1.11% | 3.11% | 0.72% | 1,728 |
| Q4 2024 | $42.7M | $37.3M | $20.5M | $4.7M | $116K | 0.27% | 2.63% | 0.85% | 1,740 |
| Q3 2024 | $42.2M | $37.2M | $21.2M | $4.7M | $136K | 0.43% | 2.58% | 1.09% | 1,752 |
| Q2 2024 | $42.0M | $37.0M | $22.2M | $4.7M | $95K | 0.45% | 2.49% | 1.30% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.60% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 4.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,782 |
Loan mix (Q1 2026): real estate $4.9M · commercial $0 · consumer $12.2M · securities $11.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.9% | 81.5% | 16th |
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.