| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +1.3% | -3.2 pts |
| Share growth (YoY) | -4.4% | +0.7% | -5.0 pts |
| Loan growth (YoY) | -2.8% | -2.4% | -0.4 pts |
| ROA | 1.45% | 0.60% | +0.8 pts |
| ROE | 8.3% | 4.1% | +4.1 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $82.0M | $66.9M | $27.9M | $14.4M | $297K | 1.45% | 3.69% | 0.67% | 6,162 |
| Q4 2025 | $82.0M | $67.6M | $25.9M | $14.2M | $975K | 1.19% | 3.54% | 0.87% | 6,216 |
| Q3 2025 | $81.8M | $67.5M | $26.3M | $13.9M | $690K | 1.12% | 3.53% | 0.87% | 6,176 |
| Q2 2025 | $82.8M | $68.8M | $27.7M | $13.6M | $421K | 1.02% | 3.43% | 0.43% | 6,345 |
| Q1 2025 | $83.6M | $70.0M | $28.7M | $13.4M | $203K | 0.97% | 3.36% | 0.53% | 6,329 |
| Q4 2024 | $83.1M | $69.5M | $29.7M | $13.2M | $809K | 0.97% | 2.82% | 0.41% | 6,359 |
| Q3 2024 | $83.9M | $70.6M | $28.3M | $12.9M | $473K | 0.75% | 2.68% | 0.85% | 6,317 |
| Q2 2024 | $85.1M | $72.1M | $29.0M | $12.7M | $255K | 0.60% | 2.49% | 1.43% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 0.60% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 4.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,515 |
Loan mix (Q1 2026): real estate $11.3M · commercial $0 · consumer $16.5M · securities $50.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.3% | 81.5% | 17th |
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.