| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.4% | +1.3% | -10.7 pts |
| Share growth (YoY) | -14.6% | +0.7% | -15.3 pts |
| Loan growth (YoY) | -2.5% | -2.4% | -0.2 pts |
| ROA | 1.54% | 0.60% | +0.9 pts |
| ROE | 4.7% | 4.1% | +0.6 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.8M | $5.2M | $5.4M | $2.6M | $30K | 1.54% | 6.44% | 2.26% | 866 |
| Q4 2025 | $7.9M | $5.2M | $5.5M | $2.5M | $123K | 1.57% | 6.78% | 0.19% | 857 |
| Q3 2025 | $8.5M | $5.7M | $5.6M | $2.5M | $103K | 1.61% | 6.32% | 1.12% | 858 |
| Q2 2025 | $8.7M | $6.0M | $5.5M | $2.5M | $71K | 1.64% | 6.14% | 1.90% | 860 |
| Q1 2025 | $8.7M | $6.1M | $5.5M | $2.5M | $42K | 1.95% | 6.34% | 0.89% | 880 |
| Q4 2024 | $8.7M | $6.1M | $5.5M | $2.4M | $167K | 1.93% | 6.31% | 1.91% | 866 |
| Q3 2024 | $8.8M | $6.3M | $5.5M | $2.4M | $130K | 1.98% | 6.22% | 0.96% | 856 |
| Q2 2024 | $9.2M | $6.8M | $5.5M | $2.3M | $75K | 1.63% | 5.81% | 0.48% | 851 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 0.60% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.1% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.44% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.6M · securities $752K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.2% | 81.5% | 44th |
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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