| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +1.3% | -2.5 pts |
| Share growth (YoY) | -2.5% | +0.7% | -3.1 pts |
| Loan growth (YoY) | -10.8% | -2.4% | -8.4 pts |
| ROA | 0.91% | 0.60% | +0.3 pts |
| ROE | 10.1% | 4.1% | +6.0 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $20.3M | $18.4M | $11.7M | $1.8M | $46K | 0.91% | 3.91% | 0.81% | 2,338 |
| Q4 2025 | $20.0M | $18.2M | $11.8M | $1.8M | $179K | 0.90% | 3.99% | 0.72% | 2,323 |
| Q3 2025 | $20.6M | $18.8M | $12.4M | $1.7M | $100K | 0.65% | 3.82% | 0.07% | 2,319 |
| Q2 2025 | $20.3M | $18.6M | $12.6M | $1.7M | $41K | 0.40% | 3.75% | 0.06% | 2,349 |
| Q1 2025 | $20.6M | $18.9M | $13.2M | $1.6M | $23K | 0.44% | 3.49% | 0.12% | 2,325 |
| Q4 2024 | $18.8M | $17.2M | $13.8M | $1.6M | $136K | 0.72% | 3.78% | 0.49% | 2,293 |
| Q3 2024 | $18.3M | $16.7M | $14.4M | $1.6M | $132K | 0.96% | 3.88% | 0.28% | 2,281 |
| Q2 2024 | $17.7M | $16.1M | $14.5M | $1.6M | $73K | 0.83% | 3.96% | 0.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.60% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 4.1% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,313 |
Loan mix (Q1 2026): real estate $346K · commercial $0 · consumer $9.6M · securities $651K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.4% | 81.5% | 38th |
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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