| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.1% | +1.3% | -5.4 pts |
| Share growth (YoY) | -5.1% | +0.7% | -5.7 pts |
| Loan growth (YoY) | -12.4% | -2.4% | -10.1 pts |
| ROA | 0.33% | 0.60% | -0.3 pts |
| ROE | 3.1% | 4.1% | -1.0 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $93.7M | $83.0M | $47.5M | $10.0M | $77K | 0.33% | 4.04% | 0.75% | 7,947 |
| Q4 2025 | $92.7M | $82.3M | $49.2M | $9.9M | $583K | 0.63% | 4.13% | 0.82% | 8,024 |
| Q3 2025 | $93.0M | $82.4M | $51.1M | $10.0M | $606K | 0.87% | 4.08% | 0.82% | 8,156 |
| Q2 2025 | $93.0M | $82.5M | $52.3M | $9.8M | $375K | 0.81% | 3.98% | 0.70% | 8,257 |
| Q1 2025 | $97.8M | $87.4M | $54.2M | $9.6M | $173K | 0.71% | 3.72% | 1.01% | 8,309 |
| Q4 2024 | $94.5M | $84.7M | $56.2M | $9.4M | $648K | 0.69% | 3.72% | 0.85% | 8,350 |
| Q3 2024 | $91.4M | $81.7M | $59.0M | $9.3M | $502K | 0.73% | 3.79% | 0.67% | 8,412 |
| Q2 2024 | $90.5M | $81.1M | $60.9M | $9.1M | $270K | 0.60% | 3.76% | 0.44% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.0% |
Peer lists, growth filters, CSV export, CRM push.
| 8,426 |
Loan mix (Q1 2026): real estate $14.9M · commercial $0 · consumer $28.7M · securities $32.5M
| 81.5% |
| — |
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.