| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.9% | +1.3% | -7.2 pts |
| Share growth (YoY) | -6.8% | +0.7% | -7.4 pts |
| Loan growth (YoY) | -2.5% | -2.4% | -0.1 pts |
| ROA | 0.46% | 0.60% | -0.1 pts |
| ROE | 5.8% | 4.1% | +1.7 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $31.3M | $28.8M | $21.4M | $2.5M | $36K | 0.46% | 3.67% | 4.53% | 2,951 |
| Q4 2025 | $32.2M | $29.8M | $21.4M | $2.4M | $343K | 1.07% | 3.67% | 4.24% | 2,947 |
| Q3 2025 | $31.8M | $29.4M | $21.7M | $2.4M | $229K | 0.96% | 3.73% | 2.96% | 2,951 |
| Q2 2025 | $33.7M | $31.4M | $22.0M | $2.4M | $300K | 1.78% | 3.45% | 2.71% | 2,940 |
| Q1 2025 | $33.2M | $30.9M | $21.9M | $2.4M | $312K | 3.75% | 3.38% | 2.58% | 2,933 |
| Q4 2024 | $32.4M | $30.4M | $22.5M | $2.1M | $84K | 0.26% | 3.30% | 1.72% | 2,955 |
| Q3 2024 | $32.0M | $30.0M | $22.8M | $2.1M | $52K | 0.21% | 3.27% | 1.07% | 2,985 |
| Q2 2024 | $33.4M | $31.5M | $23.3M | $2.0M | $40K | 0.24% | 3.04% | 0.75% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.60% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 4.1% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,983 |
Loan mix (Q1 2026): real estate $8.8M · commercial $0 · consumer $8.3M · securities $2.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.0% | 81.5% | 51th |
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.