| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +1.3% | +5.5 pts |
| Share growth (YoY) | +6.7% | +0.7% | +6.0 pts |
| Loan growth (YoY) | -10.0% | -2.4% | -7.6 pts |
| ROA | 0.18% | 0.60% | -0.4 pts |
| ROE | 2.0% | 4.1% | -2.1 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $15.0M | $13.6M | $5.4M | $1.3M | $7K | 0.18% | 1.98% | 0.13% | 1,175 |
| Q4 2025 | $14.4M | $13.1M | $5.6M | $1.3M | $90K | 0.63% | 2.25% | 0.33% | 1,176 |
| Q3 2025 | $14.0M | $12.7M | $5.7M | $1.3M | $68K | 0.65% | 2.35% | 0.06% | 1,177 |
| Q2 2025 | $13.7M | $12.4M | $5.9M | $1.3M | $49K | 0.72% | 2.37% | 0.29% | 1,169 |
| Q1 2025 | $14.0M | $12.8M | $6.0M | $1.2M | $20K | 0.57% | 2.21% | 0.03% | 1,166 |
| Q4 2024 | $13.6M | $12.3M | $6.2M | $1.2M | $184K | 1.36% | 2.57% | 0.03% | 1,160 |
| Q3 2024 | $12.6M | $11.4M | $6.5M | $1.2M | $157K | 1.66% | 2.84% | 0.03% | 1,159 |
| Q2 2024 | $12.2M | $11.0M | $6.7M | $1.1M | $117K | 1.91% | 2.87% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 0.60% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 4.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.98% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,158 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.6M · securities $5.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.5% | 81.5% | 64th |
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.