| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +1.3% | +7.6 pts |
| Share growth (YoY) | +10.2% | +0.7% | +9.5 pts |
| Loan growth (YoY) | -6.7% | -2.4% | -4.3 pts |
| ROA | 0.19% | 0.60% | -0.4 pts |
| ROE | 1.1% | 4.1% | -3.0 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $34.5M | $28.6M | $21.4M | $5.8M | $16K | 0.19% | 2.98% | 0.06% | 1,985 |
| Q4 2025 | $34.8M | $28.9M | $21.5M | $5.8M | $156K | 0.45% | 3.14% | 0.26% | 1,991 |
| Q3 2025 | $33.6M | $27.8M | $22.3M | $5.8M | $117K | 0.47% | 3.26% | 0.03% | 2,166 |
| Q2 2025 | $32.9M | $27.1M | $22.9M | $5.7M | $82K | 0.50% | 3.29% | 0.11% | 2,149 |
| Q1 2025 | $31.7M | $26.0M | $22.9M | $5.7M | $45K | 0.57% | 3.41% | 0.98% | 2,136 |
| Q4 2024 | $31.5M | $25.8M | $23.1M | $5.7M | $46K | 0.15% | 3.06% | 2.21% | 2,133 |
| Q3 2024 | $31.8M | $25.2M | $22.7M | $5.6M | $8K | 0.03% | 2.95% | 2.34% | 2,146 |
| Q2 2024 | $35.0M | $25.5M | $22.8M | $5.6M | $-15K | -0.08% | 2.59% | 1.57% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.60% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,141 |
Loan mix (Q1 2026): real estate $17.8M · commercial $0 · consumer $3.1M · securities $6.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.0% | 81.5% | 78th |
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.