| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +1.3% | -4.9 pts |
| Share growth (YoY) | -4.5% | +0.7% | -5.1 pts |
| Loan growth (YoY) | +3.3% | -2.4% | +5.7 pts |
| ROA | 0.34% | 0.60% | -0.3 pts |
| ROE | 3.2% | 4.1% | -0.9 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $75.4M | $67.0M | $42.9M | $8.2M | $65K | 0.34% | 2.64% | 0.57% | 3,120 |
| Q4 2025 | $73.9M | $65.7M | $42.6M | $8.2M | $372K | 0.50% | 2.61% | 0.50% | 3,127 |
| Q3 2025 | $74.9M | $66.9M | $42.1M | $8.0M | $244K | 0.43% | 2.51% | 0.43% | 3,141 |
| Q2 2025 | $77.0M | $69.0M | $42.4M | $7.9M | $143K | 0.37% | 2.38% | 0.33% | 3,136 |
| Q1 2025 | $78.2M | $70.1M | $41.5M | $7.9M | $71K | 0.36% | 2.28% | 0.34% | 3,143 |
| Q4 2024 | $78.1M | $70.4M | $42.1M | $7.8M | $59K | 0.08% | 2.17% | 0.20% | 3,170 |
| Q3 2024 | $80.1M | $72.4M | $42.0M | $7.7M | $-22K | -0.04% | 2.07% | 0.22% | 3,292 |
| Q2 2024 | $79.3M | $71.8M | $43.3M | $7.7M | $-43K | -0.11% | 2.06% | 0.01% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.60% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.64% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,291 |
Loan mix (Q1 2026): real estate $19.7M · commercial $10.8M · consumer $12.2M · securities $21.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.2% | 81.5% | 59th |
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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