| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +1.3% | +1.6 pts |
| Share growth (YoY) | +3.6% | +0.7% | +2.9 pts |
| Loan growth (YoY) | -2.5% | -2.4% | -0.2 pts |
| ROA | 0.00% | 0.60% | -0.6 pts |
| ROE | 0.0% | 4.1% | -4.1 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $42.4M | $34.3M | $9.1M | $8.1M | $122 | 0.00% | 3.23% | 1.84% | 2,470 |
| Q4 2025 | $40.7M | $32.6M | $9.2M | $8.1M | $386K | 0.95% | 3.43% | 2.41% | 2,454 |
| Q3 2025 | $40.8M | $32.7M | $9.2M | $8.0M | $286K | 0.94% | 3.40% | 1.84% | 2,442 |
| Q2 2025 | $41.3M | $33.3M | $9.5M | $7.9M | $160K | 0.78% | 3.31% | 1.80% | 2,449 |
| Q1 2025 | $41.2M | $33.1M | $9.4M | $7.9M | $96K | 0.93% | 3.26% | 1.78% | 2,455 |
| Q4 2024 | $39.7M | $31.9M | $9.4M | $7.8M | $419K | 1.06% | 3.37% | 0.89% | 2,445 |
| Q3 2024 | $38.7M | $31.0M | $9.4M | $7.7M | $337K | 1.16% | 3.42% | 0.84% | 2,466 |
| Q2 2024 | $38.3M | $30.7M | $10.2M | $7.5M | $178K | 0.93% | 3.15% | 5.87% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.00% | 0.60% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 0.0% | 4.1% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,457 |
Loan mix (Q1 2026): real estate $1.9M · commercial $0 · consumer $5.3M · securities $23.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.9% | 81.5% | 80th |
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.