| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +1.3% | -4.7 pts |
| Share growth (YoY) | -4.8% | +0.7% | -5.5 pts |
| Loan growth (YoY) | +0.4% | -2.4% | +2.8 pts |
| ROA | 0.57% | 0.60% | -0.0 pts |
| ROE | 3.8% | 4.1% | -0.3 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.9M | $14.4M | $4.2M | $2.5M | $24K | 0.57% | 2.47% | 0.39% | 1,289 |
| Q4 2025 | $17.1M | $14.5M | $4.5M | $2.5M | $107K | 0.63% | 2.51% | 0.04% | 1,300 |
| Q3 2025 | $17.3M | $14.7M | $4.5M | $2.5M | $63K | 0.49% | 2.33% | 0.57% | 1,295 |
| Q2 2025 | $17.3M | $14.8M | $4.8M | $2.4M | $35K | 0.41% | 2.27% | 0.69% | 1,292 |
| Q1 2025 | $17.5M | $15.1M | $4.1M | $2.4M | $9K | 0.21% | 2.03% | 0.49% | 1,342 |
| Q4 2024 | $17.4M | $14.9M | $4.3M | $2.4M | $20K | 0.12% | 1.75% | 0.44% | 1,332 |
| Q3 2024 | $17.3M | $14.8M | $4.1M | $2.4M | $8K | 0.06% | 1.70% | 0.85% | 1,315 |
| Q2 2024 | $17.2M | $14.7M | $4.1M | $2.4M | $-11K | -0.13% | 1.65% | 0.81% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.60% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.1% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,291 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.9M · securities $11.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.7% | 81.5% | 41th |
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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