| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.3% | +1.3% | -4.6 pts |
| Share growth (YoY) | -4.3% | +0.7% | -4.9 pts |
| Loan growth (YoY) | -9.3% | -2.4% | -7.0 pts |
| ROA | 1.03% | 0.60% | +0.4 pts |
| ROE | 5.6% | 4.1% | +1.5 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.9M | $20.5M | $12.7M | $4.8M | $67K | 1.03% | 4.38% | 1.35% | 2,297 |
| Q4 2025 | $25.6M | $19.8M | $13.2M | $4.7M | $432K | 1.69% | 4.69% | 1.12% | 2,323 |
| Q3 2025 | $25.4M | $19.9M | $13.7M | $4.7M | $344K | 1.81% | 4.84% | 0.75% | 2,350 |
| Q2 2025 | $26.2M | $20.7M | $13.5M | $4.5M | $222K | 1.69% | 4.82% | 0.64% | 2,357 |
| Q1 2025 | $26.8M | $21.4M | $14.0M | $4.4M | $104K | 1.55% | 4.62% | 1.14% | 2,362 |
| Q4 2024 | $27.4M | $21.8M | $14.3M | $4.3M | $457K | 1.67% | 4.45% | 0.84% | 2,394 |
| Q3 2024 | $26.4M | $21.2M | $14.9M | $4.2M | $333K | 1.68% | 4.45% | 0.93% | 2,737 |
| Q2 2024 | $26.8M | $21.6M | $15.1M | $4.1M | $202K | 1.51% | 4.31% | 0.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 0.60% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.1% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,765 |
Loan mix (Q1 2026): real estate $2.5M · commercial $0 · consumer $9.5M · securities $7.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 81.5% | 57th |
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.