| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +1.3% | -1.3 pts |
| Share growth (YoY) | -1.1% | +0.7% | -1.8 pts |
| Loan growth (YoY) | -5.9% | -2.4% | -3.6 pts |
| ROA | 1.42% | 0.60% | +0.8 pts |
| ROE | 11.8% | 4.1% | +7.7 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $32.1M | $28.1M | $6.5M | $3.9M | $114K | 1.42% | 3.37% | 0.00% | 2,359 |
| Q4 2025 | $32.2M | $28.2M | $6.8M | $3.8M | $460K | 1.43% | 3.31% | 0.00% | 2,370 |
| Q3 2025 | $31.9M | $28.2M | $7.0M | $3.6M | $340K | 1.42% | 3.29% | 0.00% | 2,372 |
| Q2 2025 | $32.6M | $28.7M | $7.0M | $3.5M | $215K | 1.32% | 3.16% | 0.00% | 2,385 |
| Q1 2025 | $32.1M | $28.4M | $6.9M | $3.4M | $98K | 1.23% | 3.16% | 0.00% | 2,384 |
| Q4 2024 | $30.8M | $27.3M | $7.0M | $3.3M | $330K | 1.07% | 3.06% | 0.10% | 2,388 |
| Q3 2024 | $30.9M | $27.5M | $7.0M | $3.2M | $242K | 1.04% | 3.02% | 0.03% | 2,388 |
| Q2 2024 | $31.1M | $28.0M | $6.9M | $3.1M | $157K | 1.01% | 2.96% | 0.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 0.60% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 4.1% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,397 |
Loan mix (Q1 2026): real estate $1.6M · commercial $0 · consumer $4.7M · securities $21.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.9% | 81.5% | 10th |
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.