| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +1.3% | -1.6 pts |
| Share growth (YoY) | -2.3% | +0.7% | -2.9 pts |
| Loan growth (YoY) | +3.0% | -2.4% | +5.3 pts |
| ROA | 1.12% | 0.60% | +0.5 pts |
| ROE | 3.1% | 4.1% | -1.0 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.7M | $2.4M | $2.9M | $1.3M | $10K | 1.12% | 4.60% | 0.54% | 395 |
| Q4 2025 | $3.6M | $2.3M | $2.9M | $1.3M | $41K | 1.16% | 5.07% | 0.56% | 405 |
| Q3 2025 | $3.6M | $2.3M | $2.9M | $1.3M | $33K | 1.20% | 5.02% | 0.57% | 411 |
| Q2 2025 | $3.8M | $2.5M | $2.9M | $1.3M | $19K | 1.02% | 4.79% | 0.99% | 409 |
| Q1 2025 | $3.7M | $2.4M | $2.8M | $1.3M | $6K | 0.62% | 4.62% | 0.63% | 410 |
| Q4 2024 | $3.7M | $2.4M | $2.7M | $1.3M | $39K | 1.07% | 4.83% | 0.00% | 416 |
| Q3 2024 | $3.7M | $2.5M | $2.6M | $1.2M | $27K | 0.98% | 4.86% | 0.83% | 417 |
| Q2 2024 | $3.9M | $2.6M | $2.5M | $1.2M | $14K | 0.71% | 4.61% | 0.00% | 420 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.9M · securities $575K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.60% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 4.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.60% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.0% | 81.5% | 37th |
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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