| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.0% | +1.3% | -5.3 pts |
| Share growth (YoY) | -4.9% | +0.7% | -5.6 pts |
| Loan growth (YoY) | -14.6% | -2.4% | -12.2 pts |
| ROA | 0.89% | 0.60% | +0.3 pts |
| ROE | 5.6% | 4.1% | +1.5 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.9M | $4.1M | $1.5M | $779K | $11K | 0.89% | 2.47% | 0.00% | 232 |
| Q4 2025 | $4.7M | $4.0M | $1.6M | $768K | $-17K | -0.37% | 2.77% | 0.00% | 232 |
| Q3 2025 | $4.7M | $4.0M | $1.7M | $780K | $-6K | -0.17% | 2.79% | 0.00% | 232 |
| Q2 2025 | $4.8M | $4.1M | $1.7M | $792K | $6K | 0.26% | 2.76% | 0.00% | 230 |
| Q1 2025 | $5.1M | $4.3M | $1.8M | $784K | $-2K | -0.13% | 2.61% | 0.00% | 230 |
| Q4 2024 | $5.4M | $4.6M | $1.8M | $785K | $832 | 0.02% | 2.69% | 0.00% | 230 |
| Q3 2024 | $5.4M | $4.6M | $1.7M | $759K | $-27K | -0.66% | 2.67% | 0.00% | 228 |
| Q2 2024 | $5.6M | $4.9M | $1.6M | $754K | $-37K | -1.33% | 2.57% | 0.00% | 225 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.60% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.1% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $56K · commercial $0 · consumer $1.5M · securities $2.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 81.5% | 21th |
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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