| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +1.3% | +0.5 pts |
| Share growth (YoY) | +0.4% | +0.7% | -0.3 pts |
| Loan growth (YoY) | -0.3% | -2.4% | +2.0 pts |
| ROA | 0.26% | 0.60% | -0.3 pts |
| ROE | 2.0% | 4.1% | -2.1 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $64.7M | $56.3M | $28.1M | $8.3M | $42K | 0.26% | 3.26% | 0.01% | 3,981 |
| Q4 2025 | $64.7M | $56.2M | $28.3M | $8.2M | $1.1M | 1.63% | 3.52% | 0.02% | 3,949 |
| Q3 2025 | $66.3M | $58.0M | $28.0M | $8.0M | $831K | 1.67% | 3.19% | 0.00% | 3,933 |
| Q2 2025 | $65.8M | $57.7M | $28.0M | $7.7M | $516K | 1.57% | 3.23% | 0.04% | 4,009 |
| Q1 2025 | $63.6M | $56.1M | $28.2M | $7.3M | $102K | 0.64% | 3.24% | 0.04% | 3,984 |
| Q4 2024 | $64.8M | $57.1M | $27.9M | $7.2M | $919K | 1.42% | 3.27% | 0.04% | 3,973 |
| Q3 2024 | $62.3M | $55.0M | $27.1M | $7.0M | $740K | 1.58% | 3.24% | 0.00% | 3,937 |
| Q2 2024 | $62.1M | $54.8M | $27.4M | $6.7M | $457K | 1.47% | 3.24% | 0.11% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 0.60% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 4.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,104 |
Loan mix (Q1 2026): real estate $20.3M · commercial $0 · consumer $7.7M · securities $31.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.7% | 81.5% | 65th |
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.