| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +1.3% | -1.1 pts |
| Share growth (YoY) | +0.6% | +0.7% | -0.0 pts |
| Loan growth (YoY) | +6.9% | -2.4% | +9.3 pts |
| ROA | 0.11% | 0.60% | -0.5 pts |
| ROE | 0.8% | 4.1% | -3.3 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $15.8M | $13.5M | $12.1M | $2.2M | $5K | 0.11% | 4.91% | 2.60% | 1,619 |
| Q4 2025 | $16.0M | $13.7M | $12.2M | $2.2M | $84K | 0.53% | 4.94% | 2.99% | 1,597 |
| Q3 2025 | $15.9M | $13.7M | $11.8M | $2.2M | $66K | 0.55% | 4.89% | 1.21% | 1,579 |
| Q2 2025 | $15.8M | $13.4M | $11.5M | $2.2M | $34K | 0.43% | 4.80% | 2.49% | 1,559 |
| Q1 2025 | $15.8M | $13.4M | $11.3M | $2.2M | $16K | 0.41% | 4.67% | 1.23% | 1,554 |
| Q4 2024 | $14.9M | $12.6M | $11.5M | $2.2M | $36K | 0.24% | 4.41% | 1.58% | 1,543 |
| Q3 2024 | $14.5M | $12.3M | $11.6M | $2.1M | $25K | 0.23% | 4.32% | 1.32% | 1,531 |
| Q2 2024 | $15.3M | $13.1M | $11.4M | $2.1M | $16K | 0.21% | 3.91% | 1.40% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.11% | 0.60% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 4.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.91% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,526 |
Loan mix (Q1 2026): real estate $5.2M · commercial $0 · consumer $6.3M · securities $857K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.7% | 81.5% | 71th |
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.