| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +3.9% | -2.0 pts |
| Share growth (YoY) | +1.6% | +3.3% | -1.6 pts |
| Loan growth (YoY) | -3.8% | +2.9% | -6.8 pts |
| ROA | 0.02% | 0.69% | -0.7 pts |
| ROE | 0.2% | 5.9% | -5.7 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $104.6M | $95.1M | $52.6M | $8.7M | $5K | 0.02% | 3.05% | 0.67% | 5,089 |
| Q4 2025 | $104.2M | $94.6M | $52.2M | $8.7M | $488K | 0.47% | 2.90% | 0.93% | 5,131 |
| Q3 2025 | $101.3M | $91.8M | $53.9M | $8.6M | $451K | 0.59% | 2.96% | 0.72% | 5,189 |
| Q2 2025 | $102.6M | $93.1M | $54.1M | $8.6M | $386K | 0.75% | 2.91% | 0.70% | 5,180 |
| Q1 2025 | $102.7M | $93.5M | $54.7M | $8.3M | $89K | 0.35% | 2.89% | 0.69% | 5,186 |
| Q4 2024 | $103.4M | $94.4M | $56.7M | $8.2M | $-446K | -0.43% | 2.84% | 0.86% | 5,175 |
| Q3 2024 | $103.4M | $94.2M | $56.7M | $8.4M | $-261K | -0.34% | 2.82% | 1.03% | 5,192 |
| Q2 2024 | $99.3M | $89.9M | $58.8M | $8.6M | $-28K | -0.06% | 2.93% | 0.84% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 0.69% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 5.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 5,183 |
Loan mix (Q1 2026): real estate $5.4M · commercial $29.9M · consumer $16.3M · securities $34.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.7% | 78.7% | 85th |
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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