| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.1 pts |
| Share growth (YoY) | -1.7% | +0.7% | -2.3 pts |
| Loan growth (YoY) | -8.1% | -2.4% | -5.7 pts |
| ROA | 1.04% | 0.60% | +0.4 pts |
| ROE | 9.0% | 4.1% | +4.9 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $50.9M | $44.8M | $29.8M | $5.9M | $132K | 1.04% | 4.72% | 0.67% | 4,527 |
| Q4 2025 | $50.5M | $44.5M | $29.9M | $5.7M | $397K | 0.79% | 4.92% | 0.82% | 4,529 |
| Q3 2025 | $50.5M | $44.6M | $31.3M | $5.8M | $478K | 1.26% | 4.91% | 1.10% | 4,516 |
| Q2 2025 | $50.0M | $44.1M | $31.9M | $5.7M | $381K | 1.53% | 4.94% | 1.03% | 4,506 |
| Q1 2025 | $51.3M | $45.6M | $32.4M | $5.6M | $218K | 1.70% | 4.78% | 0.80% | 4,488 |
| Q4 2024 | $50.4M | $44.7M | $31.9M | $5.3M | $371K | 0.74% | 4.66% | 0.62% | 4,508 |
| Q3 2024 | $50.7M | $45.0M | $32.5M | $5.3M | $353K | 0.93% | 4.56% | 0.27% | 4,496 |
| Q2 2024 | $49.8M | $44.2M | $33.0M | $5.2M | $232K | 0.93% | 4.55% | 0.51% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.60% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 4.1% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,492 |
Loan mix (Q1 2026): real estate $15.0M · commercial $0 · consumer $13.6M · securities $16.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.9% | 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% |
The full ratio pack is part of CharterBench Pro.