| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +1.3% | -5.7 pts |
| Share growth (YoY) | -5.6% | +0.7% | -6.3 pts |
| Loan growth (YoY) | -3.7% | -2.4% | -1.3 pts |
| ROA | 0.46% | 0.60% | -0.1 pts |
| ROE | 2.7% | 4.1% | -1.4 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $96.8M | $80.2M | $5.2M | $16.5M | $111K | 0.46% | 0.84% | 0.31% | 1,443 |
| Q4 2025 | $98.7M | $82.1M | $5.2M | $16.4M | $312K | 0.32% | 0.74% | 0.31% | 1,463 |
| Q3 2025 | $99.7M | $83.2M | $5.3M | $16.4M | $252K | 0.34% | 0.73% | 0.31% | 1,486 |
| Q2 2025 | $101.0M | $84.7M | $5.5M | $16.2M | $121K | 0.24% | 0.69% | 0.27% | 1,499 |
| Q1 2025 | $101.3M | $85.0M | $5.4M | $16.2M | $59K | 0.23% | 0.71% | 0.38% | 1,512 |
| Q4 2024 | $102.4M | $86.2M | $5.5M | $16.1M | $105K | 0.10% | 0.46% | 0.44% | 1,527 |
| Q3 2024 | $102.6M | $86.3M | $5.7M | $16.1M | $76K | 0.10% | 0.47% | 0.43% | 1,581 |
| Q2 2024 | $102.2M | $85.9M | $5.5M | $16.1M | $48K | 0.09% | 0.48% | 0.43% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.60% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.84% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,590 |
Loan mix (Q1 2026): real estate $4.1M · commercial $0 · consumer $939K · securities $80.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.4% | 81.5% | 6th |
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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