| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +1.3% | -2.6 pts |
| Share growth (YoY) | -3.2% | +0.7% | -3.8 pts |
| Loan growth (YoY) | -7.2% | -2.4% | -4.8 pts |
| ROA | 0.76% | 0.60% | +0.2 pts |
| ROE | 6.3% | 4.1% | +2.2 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $64.8M | $57.3M | $23.1M | $7.9M | $124K | 0.76% | 4.01% | 1.82% | 5,272 |
| Q4 2025 | $64.1M | $56.7M | $23.2M | $7.8M | $506K | 0.79% | 3.73% | 2.34% | 5,314 |
| Q3 2025 | $63.9M | $56.7M | $23.7M | $7.6M | $330K | 0.69% | 3.65% | 1.78% | 5,347 |
| Q2 2025 | $65.3M | $58.5M | $24.4M | $7.5M | $180K | 0.55% | 3.45% | 1.91% | 5,380 |
| Q1 2025 | $65.7M | $59.2M | $24.9M | $7.3M | $34K | 0.21% | 3.16% | 2.27% | 5,414 |
| Q4 2024 | $62.1M | $56.0M | $25.5M | $7.3M | $188K | 0.30% | 3.27% | 2.53% | 5,466 |
| Q3 2024 | $62.3M | $55.8M | $26.2M | $7.2M | $92K | 0.20% | 3.23% | 2.00% | 5,496 |
| Q2 2024 | $62.4M | $56.3M | $26.1M | $7.1M | $5K | 0.02% | 3.23% | 1.71% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.60% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,533 |
Loan mix (Q1 2026): real estate $9.6M · commercial $0 · consumer $11.4M · securities $33.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.3% | 81.5% | 54th |
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.