| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.7% | +1.3% | -11.0 pts |
| Share growth (YoY) | -11.5% | +0.7% | -12.2 pts |
| Loan growth (YoY) | +4.2% | -2.4% | +6.6 pts |
| ROA | 0.51% | 0.60% | -0.1 pts |
| ROE | 2.6% | 4.1% | -1.5 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $19.2M | $15.4M | $16.6M | $3.8M | $25K | 0.51% | 5.95% | 0.34% | 1,552 |
| Q4 2025 | $19.3M | $15.2M | $16.3M | $3.7M | $41K | 0.21% | 6.09% | 0.42% | 1,571 |
| Q3 2025 | $19.3M | $15.3M | $16.4M | $3.7M | $-39K | -0.27% | 6.04% | 2.91% | 1,564 |
| Q2 2025 | $20.1M | $16.2M | $16.1M | $3.7M | $-79K | -0.79% | 5.88% | 4.04% | 1,566 |
| Q1 2025 | $21.3M | $17.4M | $15.9M | $3.6M | $-96K | -1.80% | 5.53% | 0.38% | 1,578 |
| Q4 2024 | $20.9M | $16.9M | $16.3M | $3.7M | $119K | 0.57% | 5.61% | 1.65% | 1,589 |
| Q3 2024 | $21.8M | $17.9M | $16.8M | $3.7M | $70K | 0.43% | 5.40% | 2.38% | 1,649 |
| Q2 2024 | $22.3M | $18.3M | $16.7M | $3.7M | $37K | 0.33% | 5.24% | 2.59% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.60% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 4.1% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.95% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,652 |
Loan mix (Q1 2026): real estate $10.0M · commercial $591K · consumer $5.8M · securities $749K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.7% | 81.5% | 55th |
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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