| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +1.3% | -2.8 pts |
| Share growth (YoY) | -3.6% | +0.7% | -4.2 pts |
| Loan growth (YoY) | -1.3% | -2.4% | +1.0 pts |
| ROA | 0.79% | 0.60% | +0.2 pts |
| ROE | 5.1% | 4.1% | +1.0 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $58.1M | $48.6M | $26.5M | $9.0M | $115K | 0.79% | 3.65% | 0.37% | 5,927 |
| Q4 2025 | $57.0M | $47.5M | $26.7M | $8.9M | $603K | 1.06% | 3.55% | 0.02% | 5,910 |
| Q3 2025 | $56.8M | $47.4M | $27.3M | $8.7M | $444K | 1.04% | 3.55% | 0.22% | 5,950 |
| Q2 2025 | $57.3M | $48.5M | $27.8M | $8.6M | $291K | 1.02% | 3.45% | 0.00% | 5,935 |
| Q1 2025 | $59.0M | $50.4M | $26.8M | $8.4M | $123K | 0.83% | 3.26% | 0.06% | 5,915 |
| Q4 2024 | $58.9M | $50.4M | $26.5M | $8.3M | $383K | 0.65% | 3.06% | 0.09% | 5,923 |
| Q3 2024 | $58.8M | $50.4M | $26.9M | $8.1M | $264K | 0.60% | 3.01% | 0.14% | 5,977 |
| Q2 2024 | $60.8M | $52.4M | $26.9M | $8.0M | $164K | 0.54% | 2.88% | 0.26% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 0.60% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 4.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,980 |
Loan mix (Q1 2026): real estate $754K · commercial $0 · consumer $24.8M · securities $22.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 81.5% | 47th |
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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