| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.1% | +1.3% | -7.4 pts |
| Share growth (YoY) | -8.7% | +0.7% | -9.3 pts |
| Loan growth (YoY) | -23.5% | -2.4% | -21.2 pts |
| ROA | 0.60% | 0.60% | -0.0 pts |
| ROE | 3.3% | 4.1% | -0.8 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $62.2M | $54.5M | $7.9M | $11.3M | $93K | 0.60% | 2.63% | 0.77% | 3,052 |
| Q4 2025 | $61.0M | $53.1M | $8.5M | $11.2M | $485K | 0.80% | 2.75% | 0.62% | 3,054 |
| Q3 2025 | $60.9M | $53.2M | $9.1M | $11.1M | $401K | 0.88% | 2.79% | 1.00% | 3,068 |
| Q2 2025 | $61.6M | $55.0M | $9.7M | $11.0M | $296K | 0.96% | 2.80% | 0.91% | 3,105 |
| Q1 2025 | $66.2M | $59.6M | $10.3M | $10.9M | $150K | 0.91% | 2.60% | 0.61% | 2,891 |
| Q4 2024 | $63.5M | $58.0M | $10.9M | $10.7M | $533K | 0.84% | 2.57% | 0.79% | 2,908 |
| Q3 2024 | $63.8M | $57.3M | $11.4M | $10.6M | $406K | 0.85% | 2.56% | 0.68% | 2,928 |
| Q2 2024 | $63.6M | $58.7M | $12.2M | $10.4M | $256K | 0.81% | 2.57% | 0.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.60% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 4.1% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.63% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,969 |
Loan mix (Q1 2026): real estate $4.0M · commercial $0 · consumer $3.4M · securities $49.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.5% | 81.5% | 47th |
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.