| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +1.3% | -1.2 pts |
| Share growth (YoY) | -0.1% | +0.7% | -0.8 pts |
| Loan growth (YoY) | -19.8% | -2.4% | -17.4 pts |
| ROA | 0.59% | 0.60% | -0.0 pts |
| ROE | 8.5% | 4.1% | +4.4 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $40.6M | $37.8M | $19.0M | $2.8M | $60K | 0.59% | 3.54% | 2.69% | 2,745 |
| Q4 2025 | $40.3M | $37.3M | $20.7M | $3.0M | $236K | 0.59% | 3.67% | 3.55% | 2,808 |
| Q3 2025 | $40.0M | $37.1M | $22.1M | $2.9M | $190K | 0.63% | 3.60% | 2.07% | 2,822 |
| Q2 2025 | $39.8M | $37.0M | $23.1M | $2.9M | $134K | 0.67% | 3.57% | 1.36% | 2,836 |
| Q1 2025 | $40.6M | $37.8M | $23.7M | $2.8M | $61K | 0.60% | 3.49% | 1.70% | 2,855 |
| Q4 2024 | $40.3M | $37.6M | $23.1M | $2.7M | $-49K | -0.12% | 3.40% | 1.96% | 2,811 |
| Q3 2024 | $40.4M | $37.6M | $21.1M | $2.8M | $3K | 0.01% | 3.31% | 1.62% | 2,730 |
| Q2 2024 | $39.6M | $36.8M | $20.3M | $2.8M | $10K | 0.05% | 3.31% | 1.69% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.60% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 4.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,730 |
Loan mix (Q1 2026): real estate $3.9M · commercial $0 · consumer $13.9M · securities $13.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.0% | 81.5% | 56th |
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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