| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | -3.0% | +0.7% | -3.7 pts |
| Loan growth (YoY) | -4.4% | -2.4% | -2.0 pts |
| ROA | 1.16% | 0.60% | +0.6 pts |
| ROE | 6.4% | 4.1% | +2.3 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $50.8M | $41.3M | $24.1M | $9.2M | $147K | 1.16% | 3.34% | 0.47% | 2,200 |
| Q4 2025 | $50.9M | $41.6M | $24.6M | $9.1M | $619K | 1.22% | 3.51% | 0.36% | 2,237 |
| Q3 2025 | $51.7M | $42.5M | $25.0M | $9.0M | $556K | 1.43% | 3.47% | 0.34% | 2,268 |
| Q2 2025 | $51.1M | $42.0M | $25.2M | $8.8M | $357K | 1.40% | 3.49% | 0.00% | 2,274 |
| Q1 2025 | $51.5M | $42.6M | $25.2M | $8.6M | $173K | 1.34% | 3.37% | 0.27% | 2,270 |
| Q4 2024 | $49.6M | $40.9M | $25.4M | $8.5M | $572K | 1.15% | 3.46% | 0.08% | 2,298 |
| Q3 2024 | $49.2M | $40.5M | $25.6M | $8.4M | $505K | 1.37% | 3.47% | 0.17% | 2,328 |
| Q2 2024 | $49.1M | $40.7M | $26.3M | $8.2M | $324K | 1.32% | 3.44% | 0.62% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.60% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 4.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,359 |
Loan mix (Q1 2026): real estate $16.0M · commercial $2.1M · consumer $3.1M · securities $14.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 81.5% | 20th |
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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