| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +1.3% | -2.8 pts |
| Share growth (YoY) | -2.3% | +0.7% | -3.0 pts |
| Loan growth (YoY) | +1.5% | -2.4% | +3.9 pts |
| ROA | 0.97% | 0.60% | +0.4 pts |
| ROE | 4.7% | 4.1% | +0.6 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.2M | $6.5M | $4.4M | $1.7M | $20K | 0.97% | 4.91% | 1.05% | 1,096 |
| Q4 2025 | $8.2M | $6.5M | $4.3M | $1.7M | $40K | 0.49% | 5.19% | 1.51% | 1,099 |
| Q3 2025 | $8.2M | $6.4M | $4.2M | $1.8M | $122K | 1.98% | 5.67% | 1.06% | 1,099 |
| Q2 2025 | $8.3M | $6.6M | $4.2M | $1.7M | $78K | 1.87% | 5.58% | 1.41% | 1,090 |
| Q1 2025 | $8.4M | $6.7M | $4.4M | $1.7M | $32K | 1.51% | 5.35% | 3.13% | 1,085 |
| Q4 2024 | $8.6M | $6.9M | $4.6M | $1.6M | $75K | 0.88% | 5.30% | 3.78% | 1,090 |
| Q3 2024 | $8.6M | $6.9M | $4.7M | $1.7M | $142K | 2.21% | 5.69% | 3.19% | 1,089 |
| Q2 2024 | $8.5M | $6.8M | $4.4M | $1.6M | $87K | 2.07% | 5.59% | 2.42% | 1,085 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.60% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.1% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.91% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $2.0M · commercial $0 · consumer $1.8M · securities $2.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.7% | 81.5% | 48th |
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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