| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +1.3% | +2.3 pts |
| Share growth (YoY) | +2.8% | +0.7% | +2.1 pts |
| Loan growth (YoY) | -12.8% | -2.4% | -10.4 pts |
| ROA | 0.38% | 0.60% | -0.2 pts |
| ROE | 2.7% | 4.1% | -1.4 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $31.0M | $26.4M | $12.5M | $4.4M | $30K | 0.38% | 2.92% | 1.27% | 2,130 |
| Q4 2025 | $31.6M | $26.8M | $13.0M | $4.4M | $296K | 0.94% | 2.80% | 1.73% | 2,145 |
| Q3 2025 | $31.1M | $26.8M | $13.5M | $4.2M | $188K | 0.80% | 2.97% | 1.48% | 2,156 |
| Q2 2025 | $30.2M | $25.9M | $13.8M | $4.2M | $57K | 0.37% | 3.08% | 1.92% | 2,168 |
| Q1 2025 | $29.9M | $25.7M | $14.3M | $4.1M | $-43K | -0.58% | 3.18% | 2.16% | 2,171 |
| Q4 2024 | $28.7M | $24.5M | $14.7M | $4.0M | $230K | 0.80% | 3.14% | 2.49% | 2,167 |
| Q3 2024 | $28.4M | $24.4M | $14.6M | $4.0M | $131K | 0.62% | 3.15% | 3.31% | 2,191 |
| Q2 2024 | $28.3M | $24.4M | $14.9M | $3.9M | $189K | 1.34% | 3.12% | 3.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.60% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,177 |
Loan mix (Q1 2026): real estate $3.5M · commercial $0 · consumer $8.9M · securities $5.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.1% | 81.5% | 24th |
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.