| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +1.3% | +1.8 pts |
| Share growth (YoY) | +3.0% | +0.7% | +2.4 pts |
| Loan growth (YoY) | -3.1% | -2.4% | -0.7 pts |
| ROA | 0.28% | 0.60% | -0.3 pts |
| ROE | 2.9% | 4.1% | -1.2 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.5M | $19.4M | $11.4M | $2.1M | $15K | 0.28% | 2.76% | 0.86% | 1,175 |
| Q4 2025 | $20.6M | $18.5M | $11.8M | $2.1M | $92K | 0.45% | 3.03% | 0.84% | 1,183 |
| Q3 2025 | $20.7M | $18.6M | $12.1M | $2.1M | $90K | 0.58% | 3.03% | 0.81% | 1,188 |
| Q2 2025 | $20.4M | $17.8M | $11.9M | $2.1M | $71K | 0.69% | 3.11% | 0.00% | 1,198 |
| Q1 2025 | $20.9M | $18.8M | $11.8M | $2.0M | $32K | 0.60% | 3.04% | 0.03% | 1,274 |
| Q4 2024 | $20.5M | $18.5M | $12.5M | $2.0M | $35K | 0.17% | 2.64% | 0.18% | 1,241 |
| Q3 2024 | $20.7M | $18.7M | $12.1M | $2.0M | $10K | 0.06% | 2.48% | 0.19% | 1,247 |
| Q2 2024 | $21.3M | $19.4M | $12.4M | $2.0M | $8K | 0.08% | 2.26% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.60% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 4.1% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,244 |
Loan mix (Q1 2026): real estate $8.0M · commercial $0 · consumer $2.9M · securities $8.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.9% | 81.5% | 63th |
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.