| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.3 pts |
| Share growth (YoY) | +0.7% | +0.7% | +0.0 pts |
| Loan growth (YoY) | +1.6% | -2.4% | +4.0 pts |
| ROA | 0.10% | 0.60% | -0.5 pts |
| ROE | 1.1% | 4.1% | -3.0 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.8M | $15.3M | $5.2M | $1.4M | $4K | 0.10% | 3.23% | 0.38% | 1,822 |
| Q4 2025 | $16.3M | $14.9M | $5.6M | $1.4M | $105K | 0.64% | 3.21% | 0.39% | 1,816 |
| Q3 2025 | $16.3M | $14.9M | $5.3M | $1.4M | $89K | 0.73% | 3.10% | 0.19% | 1,787 |
| Q2 2025 | $17.0M | $15.6M | $5.1M | $1.4M | $56K | 0.66% | 2.86% | 0.16% | 1,769 |
| Q1 2025 | $16.6M | $15.2M | $5.2M | $1.4M | $27K | 0.66% | 2.77% | 0.00% | 1,765 |
| Q4 2024 | $16.2M | $14.9M | $5.4M | $1.3M | $76K | 0.47% | 2.51% | 0.19% | 1,771 |
| Q3 2024 | $15.6M | $14.3M | $5.6M | $1.3M | $51K | 0.43% | 2.52% | 0.43% | 1,771 |
| Q2 2024 | $15.2M | $14.0M | $5.5M | $1.3M | $15K | 0.19% | 2.31% | 0.53% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 0.60% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.1% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,762 |
Loan mix (Q1 2026): real estate $9K · commercial $0 · consumer $5.2M · securities $9.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.4% | 81.5% | 82th |
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.