| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +1.3% | -2.0 pts |
| Share growth (YoY) | -2.3% | +0.7% | -2.9 pts |
| Loan growth (YoY) | -5.3% | -2.4% | -2.9 pts |
| ROA | 1.00% | 0.60% | +0.4 pts |
| ROE | 8.0% | 4.1% | +3.9 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $38.1M | $33.3M | $24.0M | $4.8M | $95K | 1.00% | 4.85% | 0.08% | 3,061 |
| Q4 2025 | $37.6M | $33.8M | $24.5M | $4.7M | $408K | 1.08% | 5.14% | 0.17% | 3,042 |
| Q3 2025 | $37.8M | $33.7M | $24.6M | $4.6M | $343K | 1.21% | 5.16% | 0.15% | 3,047 |
| Q2 2025 | $38.7M | $34.7M | $25.3M | $4.5M | $204K | 1.05% | 4.97% | 0.13% | 3,048 |
| Q1 2025 | $38.3M | $34.1M | $25.4M | $4.4M | $93K | 0.97% | 4.94% | 0.12% | 3,052 |
| Q4 2024 | $37.4M | $33.4M | $25.4M | $4.3M | $465K | 1.24% | 5.16% | 0.12% | 3,136 |
| Q3 2024 | $37.2M | $33.3M | $26.2M | $4.2M | $384K | 1.38% | 5.20% | 0.12% | 3,156 |
| Q2 2024 | $38.3M | $34.2M | $26.1M | $4.1M | $253K | 1.32% | 4.99% | 0.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.60% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.1% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.85% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,180 |
Loan mix (Q1 2026): real estate $10.9M · commercial $669K · consumer $10.9M · securities $9.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 81.5% | 49th |
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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