| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +4.3% | +0.7% | +3.7 pts |
| Loan growth (YoY) | -4.8% | -2.4% | -2.4 pts |
| ROA | 0.50% | 0.60% | -0.1 pts |
| ROE | 3.9% | 4.1% | -0.2 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 | $76.0M | $66.1M | $37.7M | $9.8M | $95K | 0.50% | 3.21% | 1.48% | 4,601 |
| Q4 2025 | $76.1M | $66.1M | $38.4M | $9.7M | $630K | 0.83% | 3.28% | 0.56% | 4,603 |
| Q3 2025 | $74.0M | $64.4M | $38.8M | $9.5M | $421K | 0.76% | 3.28% | 0.58% | 4,609 |
| Q2 2025 | $74.1M | $64.5M | $39.1M | $9.3M | $269K | 0.72% | 3.19% | 0.59% | 4,622 |
| Q1 2025 | $72.7M | $63.4M | $39.5M | $9.2M | $126K | 0.69% | 3.17% | 0.93% | 4,636 |
| Q4 2024 | $71.8M | $62.6M | $39.4M | $9.1M | $487K | 0.68% | 3.18% | 0.31% | 5,035 |
| Q3 2024 | $71.3M | $62.1M | $39.4M | $8.9M | $292K | 0.55% | 3.13% | 0.37% | 4,632 |
| Q2 2024 | $74.9M | $66.0M | $39.8M | $8.7M | $136K | 0.36% | 2.85% | 0.26% |
| 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 | 3.9% | 4.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,074 |
Loan mix (Q1 2026): real estate $21.4M · commercial $9.2M · consumer $6.5M · securities $27.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 81.5% | 36th |
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.