| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.9% | +1.3% | -10.2 pts |
| Share growth (YoY) | -9.5% | +0.7% | -10.2 pts |
| Loan growth (YoY) | -4.8% | -2.4% | -2.5 pts |
| ROA | 0.72% | 0.60% | +0.1 pts |
| ROE | 7.7% | 4.1% | +3.6 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.8M | $23.3M | $9.7M | $2.4M | $47K | 0.72% | 3.99% | 1.51% | 2,077 |
| Q4 2025 | $26.0M | $23.5M | $9.8M | $2.4M | $187K | 0.72% | 3.75% | 1.51% | 2,107 |
| Q3 2025 | $26.0M | $23.6M | $9.7M | $2.3M | $129K | 0.66% | 3.71% | 1.68% | 2,114 |
| Q2 2025 | $26.7M | $24.3M | $9.6M | $2.3M | $81K | 0.61% | 3.59% | 1.75% | 2,142 |
| Q1 2025 | $28.3M | $25.8M | $10.2M | $2.2M | $34K | 0.48% | 3.30% | 0.40% | 2,154 |
| Q4 2024 | $27.2M | $24.9M | $10.7M | $2.2M | $28K | 0.10% | 3.15% | 0.33% | 2,192 |
| Q3 2024 | $27.1M | $24.8M | $11.0M | $2.1M | $-10K | -0.05% | 3.08% | 0.46% | 2,204 |
| Q2 2024 | $27.1M | $24.8M | $11.0M | $2.1M | $-25K | -0.18% | 3.01% | 1.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.60% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 4.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,212 |
Loan mix (Q1 2026): real estate $4.6M · commercial $675K · consumer $3.1M · securities $13.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.9% | 81.5% | 39th |
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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