| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +1.3% | -3.6 pts |
| Share growth (YoY) | -4.8% | +0.7% | -5.5 pts |
| Loan growth (YoY) | -4.1% | -2.4% | -1.7 pts |
| ROA | 0.36% | 0.60% | -0.2 pts |
| ROE | 2.7% | 4.1% | -1.4 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $52.5M | $46.3M | $21.5M | $7.0M | $48K | 0.36% | 2.85% | 0.29% | 3,189 |
| Q4 2025 | $51.0M | $44.8M | $21.8M | $7.0M | $225K | 0.44% | 2.75% | 0.25% | 3,323 |
| Q3 2025 | $51.5M | $45.9M | $22.3M | $6.9M | $152K | 0.39% | 2.67% | 0.58% | 3,455 |
| Q2 2025 | $51.9M | $46.6M | $22.1M | $6.8M | $91K | 0.35% | 2.57% | 1.08% | 3,480 |
| Q1 2025 | $53.7M | $48.7M | $22.4M | $6.8M | $22K | 0.16% | 2.37% | 1.25% | 3,448 |
| Q4 2024 | $51.1M | $45.7M | $23.1M | $6.7M | $34K | 0.07% | 2.24% | 0.75% | 3,453 |
| Q3 2024 | $51.9M | $46.8M | $23.2M | $6.7M | $9K | 0.02% | 2.19% | 1.14% | 3,462 |
| Q2 2024 | $51.4M | $47.2M | $23.9M | $6.7M | $-33K | -0.13% | 2.14% | 1.11% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.60% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,468 |
Loan mix (Q1 2026): real estate $11.5M · commercial $0 · consumer $8.3M · securities $24.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.7% | 81.5% | 67th |
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.