| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +1.3% | +5.7 pts |
| Share growth (YoY) | +6.9% | +0.7% | +6.2 pts |
| Loan growth (YoY) | -3.3% | -2.4% | -1.0 pts |
| ROA | 0.16% | 0.60% | -0.4 pts |
| ROE | 1.5% | 4.1% | -2.6 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $32.2M | $28.6M | $14.9M | $3.5M | $13K | 0.16% | 3.71% | 2.30% | 1,823 |
| Q4 2025 | $31.6M | $28.1M | $15.4M | $3.5M | $225K | 0.71% | 3.71% | 3.21% | 1,826 |
| Q3 2025 | $31.3M | $27.8M | $15.8M | $3.5M | $199K | 0.85% | 3.69% | 3.52% | 1,815 |
| Q2 2025 | $31.0M | $27.6M | $16.0M | $3.4M | $92K | 0.59% | 3.52% | 4.24% | 1,811 |
| Q1 2025 | $30.0M | $26.8M | $15.5M | $3.3M | $19K | 0.26% | 3.50% | 3.29% | 1,860 |
| Q4 2024 | $29.5M | $26.1M | $15.5M | $3.3M | $268K | 0.91% | 3.66% | 2.51% | 1,873 |
| Q3 2024 | $28.9M | $25.7M | $15.7M | $3.2M | $192K | 0.88% | 3.71% | 1.18% | 1,877 |
| Q2 2024 | $27.2M | $23.9M | $15.8M | $3.1M | $117K | 0.86% | 3.89% | 2.18% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.16% | 0.60% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 4.1% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,890 |
Loan mix (Q1 2026): real estate $5.0M · commercial $0 · consumer $7.9M · securities $8.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.9% | 81.5% | 53th |
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.