| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +1.3% | -1.6 pts |
| Share growth (YoY) | -1.5% | +0.7% | -2.2 pts |
| Loan growth (YoY) | -0.3% | -2.4% | +2.1 pts |
| ROA | 0.81% | 0.60% | +0.2 pts |
| ROE | 6.0% | 4.1% | +1.9 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $93.5M | $80.4M | $48.6M | $12.6M | $190K | 0.81% | 3.63% | 1.47% | 6,006 |
| Q4 2025 | $91.7M | $78.7M | $50.0M | $12.5M | $484K | 0.53% | 3.45% | 2.70% | 6,023 |
| Q3 2025 | $93.3M | $80.6M | $49.3M | $12.2M | $253K | 0.36% | 3.25% | 0.86% | 6,067 |
| Q2 2025 | $92.7M | $80.2M | $49.4M | $12.1M | $97K | 0.21% | 3.18% | 0.53% | 6,112 |
| Q1 2025 | $93.8M | $81.6M | $48.8M | $11.9M | $-93K | -0.40% | 2.90% | 0.52% | 6,129 |
| Q4 2024 | $92.2M | $79.9M | $50.3M | $12.0M | $541K | 0.59% | 2.93% | 0.16% | 6,137 |
| Q3 2024 | $92.4M | $80.4M | $49.8M | $11.7M | $285K | 0.41% | 2.88% | 0.57% | 6,187 |
| Q2 2024 | $91.7M | $79.5M | $49.8M | $11.6M | $178K | 0.39% | 2.85% | 0.09% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.60% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 4.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,184 |
Loan mix (Q1 2026): real estate $31.6M · commercial $4.2M · consumer $12.3M · securities $34.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.1% | 81.5% | 51th |
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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