| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.4 pts |
| Share growth (YoY) | -2.4% | +0.7% | -3.1 pts |
| Loan growth (YoY) | -1.6% | -2.4% | +0.8 pts |
| ROA | 0.80% | 0.60% | +0.2 pts |
| ROE | 4.5% | 4.1% | +0.4 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $66.4M | $54.0M | $35.4M | $11.8M | $132K | 0.80% | 3.68% | 1.54% | 4,014 |
| Q4 2025 | $65.8M | $53.6M | $36.5M | $11.7M | $687K | 1.04% | 4.01% | 0.41% | 4,061 |
| Q3 2025 | $65.7M | $53.4M | $36.5M | $11.6M | $569K | 1.15% | 4.04% | 0.65% | 4,109 |
| Q2 2025 | $66.5M | $54.6M | $35.4M | $11.4M | $320K | 0.96% | 3.82% | 0.10% | 4,181 |
| Q1 2025 | $67.2M | $55.3M | $35.9M | $11.2M | $167K | 1.00% | 3.71% | 0.32% | 4,247 |
| Q4 2024 | $64.1M | $52.5M | $36.4M | $11.1M | $581K | 0.91% | 4.06% | 0.49% | 4,308 |
| Q3 2024 | $63.7M | $52.1M | $36.8M | $11.0M | $450K | 0.94% | 4.13% | 0.32% | 4,355 |
| Q2 2024 | $64.5M | $53.1M | $37.1M | $10.8M | $252K | 0.78% | 3.94% | 0.35% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.60% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.1% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,413 |
Loan mix (Q1 2026): real estate $21.7M · commercial $4.7M · consumer $8.5M · securities $21.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.5% | 81.5% | 47th |
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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