| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +1.3% | +8.5 pts |
| Share growth (YoY) | +12.2% | +0.7% | +11.5 pts |
| Loan growth (YoY) | -7.3% | -2.4% | -4.9 pts |
| ROA | 0.42% | 0.60% | -0.2 pts |
| ROE | 2.0% | 4.1% | -2.1 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $34.9M | $27.4M | $9.8M | $7.4M | $36K | 0.42% | 2.62% | 1.11% | 2,184 |
| Q4 2025 | $32.9M | $25.4M | $9.6M | $7.4M | $191K | 0.58% | 2.83% | 0.76% | 2,206 |
| Q3 2025 | $32.8M | $25.4M | $10.3M | $7.3M | $146K | 0.59% | 2.82% | 0.75% | 2,226 |
| Q2 2025 | $32.2M | $24.7M | $10.4M | $7.3M | $108K | 0.67% | 2.89% | 0.78% | 2,257 |
| Q1 2025 | $31.8M | $24.4M | $10.5M | $7.2M | $59K | 0.74% | 2.89% | 0.97% | 2,278 |
| Q4 2024 | $31.1M | $23.7M | $10.8M | $7.2M | $165K | 0.53% | 2.71% | 1.64% | 2,304 |
| Q3 2024 | $31.0M | $23.7M | $11.0M | $7.1M | $121K | 0.52% | 2.66% | 1.65% | 2,313 |
| Q2 2024 | $31.1M | $23.7M | $11.2M | $7.1M | $75K | 0.48% | 2.64% | 1.79% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.60% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 4.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,342 |
Loan mix (Q1 2026): real estate $4.2M · commercial $0 · consumer $5.5M · securities $21.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.7% | 81.5% | 53th |
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.