| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +1.3% | +0.4 pts |
| Share growth (YoY) | +0.8% | +0.7% | +0.1 pts |
| Loan growth (YoY) | -0.1% | -2.4% | +2.3 pts |
| ROA | 0.25% | 0.60% | -0.4 pts |
| ROE | 2.2% | 4.1% | -1.9 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $44.9M | $39.4M | $13.2M | $5.1M | $28K | 0.25% | 3.50% | 0.91% | 4,097 |
| Q4 2025 | $44.0M | $38.5M | $13.4M | $5.1M | $454K | 1.03% | 3.70% | 1.05% | 4,076 |
| Q3 2025 | $44.1M | $38.8M | $13.3M | $5.0M | $375K | 1.13% | 3.72% | 1.02% | 4,028 |
| Q2 2025 | $44.1M | $38.7M | $13.4M | $4.8M | $230K | 1.04% | 3.70% | 1.06% | 4,003 |
| Q1 2025 | $44.2M | $39.1M | $13.2M | $4.7M | $110K | 0.99% | 3.61% | 1.39% | 4,020 |
| Q4 2024 | $42.8M | $37.8M | $13.9M | $4.6M | $61K | 0.14% | 4.24% | 4.19% | 3,991 |
| Q3 2024 | $43.7M | $38.5M | $14.0M | $4.8M | $303K | 0.92% | 4.21% | 4.11% | 4,096 |
| Q2 2024 | $43.4M | $38.2M | $14.3M | $4.7M | $154K | 0.71% | 4.23% | 3.51% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.60% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,064 |
Loan mix (Q1 2026): real estate $296K · commercial $0 · consumer $12.3M · securities $10.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.0% | 81.5% | 75th |
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.