| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.8 pts |
| Share growth (YoY) | 0.0% | +0.7% | -0.7 pts |
| Loan growth (YoY) | +1.2% | -2.4% | +3.6 pts |
| ROA | 0.03% | 0.60% | -0.6 pts |
| ROE | 0.2% | 4.1% | -3.9 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $46.3M | $39.5M | $18.2M | $6.3M | $3K | 0.03% | 2.89% | 0.35% | 3,930 |
| Q4 2025 | $43.6M | $37.0M | $18.2M | $6.3M | $121K | 0.28% | 3.28% | 0.44% | 3,953 |
| Q3 2025 | $43.9M | $37.2M | $18.1M | $6.3M | $90K | 0.27% | 3.31% | 0.39% | 4,057 |
| Q2 2025 | $45.7M | $39.1M | $17.9M | $6.2M | $61K | 0.27% | 3.20% | 0.27% | 4,083 |
| Q1 2025 | $46.0M | $39.5M | $17.9M | $6.2M | $36K | 0.32% | 3.23% | 0.21% | 4,094 |
| Q4 2024 | $43.8M | $37.3M | $18.5M | $6.2M | $285K | 0.65% | 3.54% | 0.10% | 4,106 |
| Q3 2024 | $43.5M | $37.0M | $18.0M | $6.2M | $246K | 0.75% | 3.57% | 0.40% | 4,211 |
| Q2 2024 | $44.7M | $38.1M | $18.1M | $6.1M | $180K | 0.80% | 3.50% | 0.25% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.60% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 4.1% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,251 |
Loan mix (Q1 2026): real estate $4.2M · commercial $0 · consumer $13.3M · securities $22.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.1% | 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.