| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +1.3% | -4.5 pts |
| Share growth (YoY) | -4.8% | +0.7% | -5.5 pts |
| Loan growth (YoY) | +9.6% | -2.4% | +12.0 pts |
| ROA | 0.98% | 0.60% | +0.4 pts |
| ROE | 6.3% | 4.1% | +2.2 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.9M | $9.9M | $10.6M | $1.8M | $29K | 0.98% | 4.31% | 0.35% | 1,273 |
| Q4 2025 | $12.5M | $10.7M | $10.4M | $1.8M | $84K | 0.67% | 3.96% | 0.47% | 1,281 |
| Q3 2025 | $11.4M | $9.5M | $10.4M | $1.8M | $45K | 0.53% | 4.32% | 0.51% | 1,277 |
| Q2 2025 | $12.8M | $11.0M | $10.3M | $1.7M | $11K | 0.18% | 3.61% | 0.37% | 1,269 |
| Q1 2025 | $12.3M | $10.4M | $9.6M | $1.7M | $687 | 0.02% | 3.67% | 0.17% | 1,271 |
| Q4 2024 | $11.7M | $9.8M | $9.8M | $1.7M | $24K | 0.21% | 3.93% | 0.23% | 1,272 |
| Q3 2024 | $11.4M | $9.5M | $9.6M | $1.7M | $37K | 0.43% | 3.99% | 0.61% | 1,282 |
| Q2 2024 | $11.7M | $9.9M | $9.5M | $1.7M | $4K | 0.07% | 3.56% | 0.52% | 1,285 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 0.60% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $7.2M · securities $1K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.3% | 81.5% | 50th |
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% |
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