| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +1.3% | -4.9 pts |
| Share growth (YoY) | -5.1% | +0.7% | -5.8 pts |
| Loan growth (YoY) | +1.7% | -2.4% | +4.1 pts |
| ROA | 0.74% | 0.60% | +0.1 pts |
| ROE | 3.9% | 4.1% | -0.2 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $50.4M | $40.7M | $25.7M | $9.5M | $93K | 0.74% | 4.07% | 0.57% | 3,484 |
| Q4 2025 | $49.2M | $39.5M | $26.2M | $9.4M | $337K | 0.69% | 4.25% | 0.58% | 3,466 |
| Q3 2025 | $49.1M | $39.3M | $25.8M | $9.4M | $318K | 0.86% | 4.28% | 0.43% | 3,453 |
| Q2 2025 | $50.9M | $41.4M | $25.9M | $9.3M | $228K | 0.89% | 4.10% | 0.52% | 3,436 |
| Q1 2025 | $52.3M | $42.9M | $25.3M | $9.2M | $96K | 0.73% | 3.94% | 0.49% | 3,414 |
| Q4 2024 | $51.3M | $42.0M | $24.8M | $9.1M | $588K | 1.15% | 3.88% | 1.08% | 3,411 |
| Q3 2024 | $52.3M | $43.2M | $24.8M | $9.0M | $468K | 1.19% | 3.75% | 0.23% | 3,408 |
| Q2 2024 | $52.1M | $43.1M | $25.3M | $8.8M | $298K | 1.15% | 3.67% | 0.73% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.60% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 4.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,410 |
Loan mix (Q1 2026): real estate $4.1M · commercial $0 · consumer $19.9M · securities $18.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.0% | 81.5% | 49th |
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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