| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +1.3% | -1.2 pts |
| Share growth (YoY) | +0.5% | +0.7% | -0.1 pts |
| Loan growth (YoY) | -0.4% | -2.4% | +1.9 pts |
| ROA | 0.50% | 0.60% | -0.1 pts |
| ROE | 3.3% | 4.1% | -0.8 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $24.8M | $20.8M | $12.7M | $3.7M | $31K | 0.50% | 5.29% | 1.75% | 2,047 |
| Q4 2025 | $23.3M | $19.5M | $13.1M | $3.7M | $107K | 0.46% | 5.51% | 3.88% | 2,020 |
| Q3 2025 | $23.9M | $19.9M | $13.1M | $3.8M | $235K | 1.31% | 5.38% | 4.50% | 2,083 |
| Q2 2025 | $24.3M | $20.2M | $13.1M | $3.7M | $173K | 1.43% | 5.26% | 5.84% | 2,083 |
| Q1 2025 | $24.7M | $20.7M | $12.7M | $3.7M | $109K | 1.76% | 5.39% | 3.16% | 2,057 |
| Q4 2024 | $24.3M | $20.5M | $12.3M | $3.6M | $334K | 1.37% | 5.03% | 5.13% | 2,045 |
| Q3 2024 | $24.5M | $20.7M | $12.1M | $3.5M | $266K | 1.45% | 4.98% | 4.03% | 2,074 |
| Q2 2024 | $25.2M | $21.5M | $11.6M | $3.5M | $165K | 1.31% | 4.72% | 3.25% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.60% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 4.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.29% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,079 |
Loan mix (Q1 2026): real estate $1.8M · commercial $0 · consumer $9.8M · securities $7.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.6% | 81.5% | 34th |
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.