| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +1.3% | -3.2 pts |
| Share growth (YoY) | -4.0% | +0.7% | -4.7 pts |
| Loan growth (YoY) | -11.4% | -2.4% | -9.1 pts |
| ROA | 1.42% | 0.60% | +0.8 pts |
| ROE | 8.0% | 4.1% | +3.9 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.9M | $18.0M | $12.2M | $3.9M | $78K | 1.42% | 4.03% | 1.00% | 5,951 |
| Q4 2025 | $21.8M | $17.2M | $13.3M | $3.8M | $347K | 1.59% | 4.54% | 1.01% | 6,023 |
| Q3 2025 | $21.6M | $17.8M | $13.9M | $3.7M | $255K | 1.57% | 4.63% | 1.18% | 6,090 |
| Q2 2025 | $21.8M | $18.1M | $14.2M | $3.6M | $160K | 1.46% | 4.54% | 0.86% | 6,162 |
| Q1 2025 | $22.3M | $18.7M | $13.8M | $3.6M | $93K | 1.66% | 4.45% | 0.94% | 6,371 |
| Q4 2024 | $21.8M | $18.3M | $13.9M | $3.5M | $244K | 1.12% | 4.00% | 1.02% | 6,470 |
| Q3 2024 | $22.2M | $18.8M | $13.7M | $3.4M | $60K | 0.36% | 3.75% | 0.89% | 6,314 |
| Q2 2024 | $22.1M | $18.8M | $13.7M | $3.3M | $40K | 0.36% | 3.36% | 0.90% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 0.60% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.1% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,153 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $12.1M · securities $3.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.4% | 81.5% | 20th |
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.