| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.4% | +1.3% | -12.7 pts |
| Share growth (YoY) | -14.0% | +0.7% | -14.6 pts |
| Loan growth (YoY) | -10.0% | -2.4% | -7.6 pts |
| ROA | 0.83% | 0.60% | +0.2 pts |
| ROE | 5.7% | 4.1% | +1.6 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $28.3M | $24.1M | $19.0M | $4.2M | $59K | 0.83% | 4.17% | 0.49% | 2,803 |
| Q4 2025 | $27.8M | $23.7M | $19.2M | $4.1M | $117K | 0.42% | 4.08% | 2.18% | 2,847 |
| Q3 2025 | $28.0M | $24.0M | $19.8M | $4.0M | $44K | 0.21% | 3.96% | 1.15% | 2,833 |
| Q2 2025 | $29.0M | $25.0M | $20.3M | $4.0M | $-34K | -0.24% | 3.66% | 1.44% | 2,811 |
| Q1 2025 | $31.9M | $28.0M | $21.1M | $3.9M | $-92K | -1.16% | 3.29% | 1.08% | 2,804 |
| Q4 2024 | $30.9M | $26.9M | $21.8M | $4.0M | $995 | 0.00% | 3.04% | 0.45% | 2,813 |
| Q3 2024 | $32.2M | $28.3M | $22.6M | $3.9M | $-74K | -0.31% | 2.70% | 0.89% | 2,815 |
| Q2 2024 | $33.1M | $29.1M | $23.1M | $4.0M | $-7K | -0.04% | 2.56% | 2.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.60% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 4.1% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,794 |
Loan mix (Q1 2026): real estate $7.9M · commercial $0 · consumer $9.8M · securities $4.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.0% | 81.5% | 54th |
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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