| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.5 pts |
| Share growth (YoY) | -1.0% | +0.7% | -1.7 pts |
| Loan growth (YoY) | -2.9% | -2.4% | -0.5 pts |
| ROA | 0.41% | 0.60% | -0.2 pts |
| ROE | 4.2% | 4.1% | +0.1 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $62.7M | $56.0M | $38.8M | $6.1M | $65K | 0.41% | 4.25% | 0.96% | 5,021 |
| Q4 2025 | $61.0M | $54.3M | $39.5M | $6.1M | $175K | 0.29% | 4.33% | 1.05% | 5,050 |
| Q3 2025 | $61.0M | $54.4M | $38.9M | $6.1M | $200K | 0.44% | 4.35% | 0.75% | 5,106 |
| Q2 2025 | $62.2M | $55.7M | $39.1M | $6.1M | $175K | 0.56% | 4.32% | 0.64% | 5,142 |
| Q1 2025 | $62.9M | $56.5M | $39.9M | $6.0M | $90K | 0.57% | 4.25% | 1.02% | 5,178 |
| Q4 2024 | $62.1M | $55.7M | $40.5M | $5.9M | $464K | 0.75% | 4.47% | 1.28% | 5,199 |
| Q3 2024 | $62.0M | $55.9M | $39.1M | $5.9M | $422K | 0.91% | 4.45% | 1.05% | 5,211 |
| Q2 2024 | $64.1M | $58.1M | $39.6M | $5.7M | $280K | 0.87% | 4.38% | 1.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.60% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.1% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,289 |
Loan mix (Q1 2026): real estate $20.2M · commercial $7.5M · consumer $10.8M · securities $11.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.8% | 81.5% | 73th |
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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