| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.8% | +1.3% | -4.1 pts |
| Share growth (YoY) | -3.9% | +0.7% | -4.5 pts |
| Loan growth (YoY) | -3.5% | -2.4% | -1.1 pts |
| ROA | 0.46% | 0.60% | -0.1 pts |
| ROE | 3.2% | 4.1% | -0.9 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $28.2M | $24.1M | $11.7M | $4.1M | $32K | 0.46% | 2.94% | 0.14% | 2,173 |
| Q4 2025 | $28.3M | $24.3M | $12.1M | $4.0M | $150K | 0.53% | 2.57% | 0.33% | 2,209 |
| Q3 2025 | $29.2M | $25.2M | $12.6M | $4.0M | $81K | 0.37% | 2.40% | 0.52% | 2,231 |
| Q2 2025 | $28.2M | $24.2M | $12.6M | $4.0M | $64K | 0.45% | 2.40% | 0.26% | 2,248 |
| Q1 2025 | $29.0M | $25.1M | $12.1M | $3.9M | $33K | 0.46% | 2.28% | 0.32% | 2,590 |
| Q4 2024 | $28.3M | $24.4M | $12.4M | $3.9M | $-123K | -0.43% | 1.75% | 0.42% | 2,310 |
| Q3 2024 | $28.9M | $24.9M | $13.1M | $3.9M | $-143K | -0.66% | 1.78% | 0.04% | 2,310 |
| Q2 2024 | $29.2M | $25.3M | $13.4M | $3.9M | $-83K | -0.57% | 1.69% | 0.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.60% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,264 |
Loan mix (Q1 2026): real estate $5.0M · commercial $0 · consumer $6.1M · securities $13.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 81.5% | 29th |
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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