| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +1.3% | -0.9 pts |
| Share growth (YoY) | -1.1% | +0.7% | -1.8 pts |
| Loan growth (YoY) | -4.5% | -2.4% | -2.2 pts |
| ROA | 0.30% | 0.60% | -0.3 pts |
| ROE | 2.7% | 4.1% | -1.4 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $92.8M | $83.8M | $42.7M | $10.2M | $69K | 0.30% | 3.23% | 0.23% | 8,840 |
| Q4 2025 | $92.8M | $84.0M | $43.9M | $10.1M | $253K | 0.27% | 3.24% | 0.73% | 8,900 |
| Q3 2025 | $91.7M | $83.1M | $45.3M | $10.0M | $140K | 0.20% | 3.24% | 0.40% | 8,932 |
| Q2 2025 | $91.8M | $83.6M | $44.1M | $9.9M | $82K | 0.18% | 3.15% | 0.32% | 8,949 |
| Q1 2025 | $92.4M | $84.8M | $44.7M | $9.9M | $65K | 0.28% | 3.08% | 0.03% | 9,027 |
| Q4 2024 | $89.0M | $81.7M | $46.0M | $9.9M | $223K | 0.25% | 3.07% | 0.24% | 9,065 |
| Q3 2024 | $93.5M | $85.2M | $47.1M | $9.8M | $117K | 0.17% | 2.88% | 0.15% | 9,104 |
| Q2 2024 | $92.0M | $85.0M | $46.3M | $9.7M | $82K | 0.18% | 2.88% | 0.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.60% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 9,045 |
Loan mix (Q1 2026): real estate $7.7M · commercial $372K · consumer $34.5M · securities $39.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.2% | 81.5% | 71th |
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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