| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +1.3% | +1.5 pts |
| Share growth (YoY) | +2.1% | +0.7% | +1.5 pts |
| Loan growth (YoY) | -8.6% | -2.4% | -6.3 pts |
| ROA | 0.45% | 0.60% | -0.2 pts |
| ROE | 2.2% | 4.1% | -1.9 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $54.0M | $44.1M | $11.9M | $10.7M | $60K | 0.45% | 3.56% | 0.21% | 8,279 |
| Q4 2025 | $52.1M | $42.4M | $12.4M | $10.7M | $453K | 0.87% | 3.69% | 0.20% | 8,432 |
| Q3 2025 | $53.2M | $43.6M | $12.7M | $10.6M | $334K | 0.84% | 3.58% | 0.53% | 8,343 |
| Q2 2025 | $52.3M | $42.6M | $12.9M | $10.4M | $189K | 0.72% | 3.56% | 0.54% | 8,295 |
| Q1 2025 | $52.5M | $43.2M | $13.0M | $10.3M | $35K | 0.27% | 3.44% | 0.64% | 8,260 |
| Q4 2024 | $51.1M | $41.9M | $12.9M | $10.3M | $266K | 0.52% | 3.71% | 0.68% | 9,474 |
| Q3 2024 | $54.3M | $45.3M | $12.6M | $10.1M | $127K | 0.31% | 3.46% | 1.08% | 9,357 |
| Q2 2024 | $53.9M | $45.6M | $12.8M | $10.0M | $28K | 0.10% | 3.45% | 0.66% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.60% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 9,231 |
Loan mix (Q1 2026): real estate $2.4M · commercial $0 · consumer $9.0M · securities $21.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.5% | 81.5% | 66th |
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.