| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.3% | +1.3% | -8.7 pts |
| Share growth (YoY) | -9.4% | +0.7% | -10.1 pts |
| Loan growth (YoY) | +4.7% | -2.4% | +7.1 pts |
| ROA | 0.56% | 0.60% | -0.0 pts |
| ROE | 2.6% | 4.1% | -1.5 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $15.3M | $12.0M | $3.5M | $3.3M | $21K | 0.56% | 2.87% | 0.13% | 638 |
| Q4 2025 | $15.5M | $12.2M | $3.6M | $3.2M | $116K | 0.75% | 2.82% | 0.19% | 650 |
| Q3 2025 | $15.5M | $12.1M | $3.3M | $3.3M | $174K | 1.50% | 3.32% | 0.26% | 645 |
| Q2 2025 | $16.3M | $12.9M | $3.3M | $3.2M | $106K | 1.30% | 3.16% | 0.32% | 647 |
| Q1 2025 | $16.5M | $13.2M | $3.4M | $3.2M | $-2K | -0.06% | 1.86% | 0.37% | 658 |
| Q4 2024 | $16.7M | $13.4M | $3.6M | $3.2M | $16K | 0.10% | 2.13% | 0.40% | 674 |
| Q3 2024 | $17.9M | $13.7M | $3.6M | $3.2M | $23K | 0.17% | 2.02% | 0.45% | 682 |
| Q2 2024 | $18.8M | $14.3M | $3.6M | $3.2M | $11K | 0.12% | 1.89% | 0.51% | 696 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.60% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 4.1% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.87% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.7M · commercial $0 · consumer $1.7M · securities $11.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.7% | 81.5% | 48th |
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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