| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +1.3% | -3.7 pts |
| Share growth (YoY) | -2.9% | +0.7% | -3.6 pts |
| Loan growth (YoY) | +8.1% | -2.4% | +10.5 pts |
| ROA | 0.43% | 0.60% | -0.2 pts |
| ROE | 3.5% | 4.1% | -0.6 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $19.6M | $17.2M | $13.6M | $2.4M | $21K | 0.43% | 5.01% | 0.23% | 2,251 |
| Q4 2025 | $19.5M | $17.1M | $13.8M | $2.4M | $38K | 0.20% | 5.19% | 0.43% | 2,331 |
| Q3 2025 | $19.2M | $16.8M | $13.0M | $2.4M | $26K | 0.18% | 5.29% | 0.44% | 2,231 |
| Q2 2025 | $19.5M | $16.8M | $12.7M | $2.4M | $19K | 0.20% | 5.16% | 0.26% | 2,230 |
| Q1 2025 | $20.0M | $17.7M | $12.6M | $2.3M | $1K | 0.02% | 5.09% | 0.25% | 2,203 |
| Q4 2024 | $19.6M | $17.3M | $12.6M | $2.3M | $221K | 1.12% | 5.18% | 1.37% | 2,227 |
| Q3 2024 | $19.5M | $17.1M | $12.8M | $2.3M | $188K | 1.28% | 5.21% | 0.71% | 2,025 |
| Q2 2024 | $19.1M | $16.6M | $13.4M | $2.3M | $204K | 2.14% | 5.30% | 2.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.60% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.1% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.01% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,030 |
Loan mix (Q1 2026): real estate $4.6M · commercial $0 · consumer $8.1M · securities $3.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.4% | 81.5% | 75th |
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.