| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +1.3% | +2.8 pts |
| Share growth (YoY) | +4.1% | +0.7% | +3.5 pts |
| Loan growth (YoY) | -15.8% | -2.4% | -13.5 pts |
| ROA | 0.21% | 0.60% | -0.4 pts |
| ROE | 2.0% | 4.1% | -2.1 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $29.7M | $26.7M | $8.9M | $3.1M | $16K | 0.21% | 3.29% | 0.11% | 2,249 |
| Q4 2025 | $29.5M | $26.4M | $9.5M | $3.1M | $187K | 0.63% | 3.72% | 0.29% | 2,273 |
| Q3 2025 | $29.9M | $26.8M | $9.9M | $3.1M | $190K | 0.85% | 3.69% | 1.18% | 2,259 |
| Q2 2025 | $29.3M | $26.3M | $10.6M | $3.0M | $111K | 0.76% | 3.73% | 0.87% | 2,270 |
| Q1 2025 | $28.5M | $25.6M | $10.5M | $2.9M | $60K | 0.84% | 3.83% | 1.02% | 2,297 |
| Q4 2024 | $27.8M | $24.9M | $11.0M | $2.9M | $125K | 0.45% | 3.58% | 0.94% | 2,302 |
| Q3 2024 | $26.8M | $23.8M | $10.6M | $3.0M | $207K | 1.03% | 3.84% | 1.06% | 2,307 |
| Q2 2024 | $26.9M | $24.0M | $10.5M | $2.9M | $156K | 1.15% | 3.76% | 0.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.60% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 4.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,285 |
Loan mix (Q1 2026): real estate $755K · commercial $0 · consumer $7.0M · securities $12.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.8% | 81.5% | 76th |
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.