| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | -2.9% | +0.7% | -3.6 pts |
| Loan growth (YoY) | -3.7% | -2.4% | -1.3 pts |
| ROA | 0.50% | 0.60% | -0.1 pts |
| ROE | 4.6% | 4.1% | +0.5 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $29.1M | $25.6M | $19.8M | $3.2M | $36K | 0.50% | 3.31% | 0.00% | 1,870 |
| Q4 2025 | $27.0M | $23.8M | $20.1M | $3.1M | $67K | 0.25% | 3.49% | 0.00% | 1,892 |
| Q3 2025 | $27.0M | $23.9M | $20.5M | $3.1M | $35K | 0.17% | 3.42% | 0.00% | 1,902 |
| Q2 2025 | $27.2M | $24.1M | $20.4M | $3.1M | $17K | 0.12% | 3.21% | 0.00% | 1,928 |
| Q1 2025 | $29.6M | $26.3M | $20.5M | $3.1M | $6K | 0.08% | 2.87% | 0.01% | 1,984 |
| Q4 2024 | $26.9M | $23.7M | $19.8M | $3.1M | $-73K | -0.27% | 3.09% | 0.02% | 2,034 |
| Q3 2024 | $27.8M | $24.5M | $21.3M | $3.1M | $-59K | -0.28% | 2.95% | 0.00% | 2,042 |
| Q2 2024 | $29.9M | $26.7M | $21.8M | $3.1M | $-30K | -0.20% | 2.64% | 0.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.60% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 4.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,205 |
Loan mix (Q1 2026): real estate $16.6M · commercial $0 · consumer $3.0M · securities $5.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 81.5% | 47th |
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.