| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +1.3% | +4.5 pts |
| Share growth (YoY) | +5.5% | +0.7% | +4.9 pts |
| Loan growth (YoY) | -20.8% | -2.4% | -18.4 pts |
| ROA | 0.31% | 0.60% | -0.3 pts |
| ROE | 2.2% | 4.1% | -1.9 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $33.9M | $28.9M | $5.8M | $4.7M | $27K | 0.31% | 3.00% | 0.16% | 2,168 |
| Q4 2025 | $33.0M | $28.2M | $6.0M | $4.7M | $220K | 0.67% | 3.45% | 0.96% | 2,185 |
| Q3 2025 | $32.6M | $27.7M | $6.4M | $4.7M | $169K | 0.69% | 3.53% | 0.36% | 2,219 |
| Q2 2025 | $32.3M | $27.5M | $6.8M | $4.6M | $122K | 0.76% | 3.59% | 0.18% | 2,562 |
| Q1 2025 | $32.0M | $27.4M | $7.3M | $4.6M | $71K | 0.89% | 3.67% | 0.32% | 2,265 |
| Q4 2024 | $31.5M | $26.9M | $7.5M | $4.5M | $430K | 1.36% | 3.95% | 1.00% | 2,282 |
| Q3 2024 | $32.3M | $27.8M | $7.9M | $4.4M | $334K | 1.38% | 3.89% | 0.83% | 2,279 |
| Q2 2024 | $32.8M | $28.4M | $8.1M | $4.3M | $229K | 1.40% | 3.82% | 0.94% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.60% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,289 |
Loan mix (Q1 2026): real estate $25K · commercial $0 · consumer $4.7M · securities $16.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.9% | 81.5% | 69th |
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.