| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +1.3% | -3.0 pts |
| Share growth (YoY) | -2.3% | +0.7% | -3.0 pts |
| Loan growth (YoY) | +5.5% | -2.4% | +7.8 pts |
| ROA | 0.26% | 0.60% | -0.3 pts |
| ROE | 1.8% | 4.1% | -2.3 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $84.9M | $72.5M | $39.9M | $12.1M | $55K | 0.26% | 3.62% | 0.61% | 6,814 |
| Q4 2025 | $84.8M | $72.9M | $40.3M | $12.1M | $181K | 0.21% | 3.78% | 0.40% | 6,802 |
| Q3 2025 | $84.7M | $72.4M | $39.1M | $12.1M | $232K | 0.37% | 3.77% | 0.51% | 6,777 |
| Q2 2025 | $85.9M | $72.8M | $37.9M | $12.0M | $122K | 0.28% | 3.71% | 0.54% | 6,730 |
| Q1 2025 | $86.3M | $74.2M | $37.9M | $12.1M | $38K | 0.17% | 3.67% | 0.74% | 7,115 |
| Q4 2024 | $83.6M | $71.4M | $37.9M | $12.1M | $599K | 0.72% | 3.94% | 0.88% | 7,114 |
| Q3 2024 | $83.1M | $71.1M | $39.8M | $12.0M | $563K | 0.90% | 4.00% | 0.34% | 7,148 |
| Q2 2024 | $84.5M | $72.4M | $42.0M | $11.9M | $399K | 0.94% | 3.92% | 0.40% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 0.60% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 4.1% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,208 |
Loan mix (Q1 2026): real estate $3.0M · commercial $0 · consumer $34.2M · securities $30.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.6% | 81.5% | 85th |
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.