| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +1.3% | +0.0 pts |
| Share growth (YoY) | +1.4% | +0.7% | +0.7 pts |
| Loan growth (YoY) | -0.6% | -2.4% | +1.7 pts |
| ROA | 0.27% | 0.60% | -0.3 pts |
| ROE | 2.7% | 4.1% | -1.4 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $72.9M | $65.6M | $17.0M | $7.2M | $49K | 0.27% | 1.74% | 0.01% | 3,958 |
| Q4 2025 | $72.5M | $65.2M | $17.2M | $7.1M | $56K | 0.08% | 1.60% | 0.00% | 3,974 |
| Q3 2025 | $72.7M | $65.4M | $16.7M | $7.1M | $43K | 0.08% | 1.59% | 0.02% | 4,023 |
| Q2 2025 | $72.8M | $65.6M | $16.9M | $7.1M | $20K | 0.05% | 1.56% | 0.16% | 4,036 |
| Q1 2025 | $71.9M | $64.7M | $17.1M | $7.1M | $2K | 0.01% | 1.52% | 0.07% | 4,065 |
| Q4 2024 | $69.0M | $61.9M | $17.2M | $7.1M | $-4K | -0.01% | 1.56% | 0.06% | 4,088 |
| Q3 2024 | $68.2M | $61.0M | $17.7M | $7.1M | $-7K | -0.01% | 1.59% | 0.13% | 4,150 |
| Q2 2024 | $68.3M | $61.0M | $17.9M | $7.1M | $-7K | -0.02% | 1.58% | 0.24% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.60% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.74% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,177 |
Loan mix (Q1 2026): real estate $13.7M · commercial $0 · consumer $2.2M · securities $43.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.5% | 81.5% | 64th |
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.