| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.7% | +1.3% | -7.0 pts |
| Share growth (YoY) | -7.4% | +0.7% | -8.0 pts |
| Loan growth (YoY) | -7.0% | -2.4% | -4.7 pts |
| ROA | 0.47% | 0.60% | -0.1 pts |
| ROE | 2.9% | 4.1% | -1.2 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.4M | $11.2M | $5.7M | $2.2M | $16K | 0.47% | 3.00% | 0.34% | 1,252 |
| Q4 2025 | $13.5M | $11.4M | $5.8M | $2.2M | $63K | 0.47% | 3.19% | 0.29% | 1,269 |
| Q3 2025 | $13.8M | $11.6M | $5.8M | $2.2M | $47K | 0.45% | 3.21% | 2.19% | 1,270 |
| Q2 2025 | $14.2M | $12.1M | $6.1M | $2.1M | $27K | 0.38% | 3.13% | 1.81% | 1,282 |
| Q1 2025 | $14.2M | $12.1M | $6.1M | $2.1M | $-234 | -0.01% | 2.89% | 1.94% | 1,291 |
| Q4 2024 | $14.4M | $12.3M | $6.3M | $2.1M | $7K | 0.05% | 2.46% | 4.71% | 1,290 |
| Q3 2024 | $14.7M | $12.6M | $6.1M | $2.1M | $8K | 0.07% | 2.42% | 1.94% | 1,312 |
| Q2 2024 | $15.5M | $13.4M | $6.1M | $2.1M | $16K | 0.20% | 2.43% | 0.25% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.60% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 4.1% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,335 |
Loan mix (Q1 2026): real estate $4.9M · commercial $0 · consumer $785K · securities $6.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.4% | 81.5% | 57th |
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.