| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +1.3% | -3.5 pts |
| Share growth (YoY) | -4.9% | +0.7% | -5.5 pts |
| Loan growth (YoY) | -5.3% | -2.4% | -2.9 pts |
| ROA | 0.94% | 0.60% | +0.3 pts |
| ROE | 4.3% | 4.1% | +0.2 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.3M | $8.7M | $4.4M | $2.5M | $26K | 0.94% | 4.06% | 1.61% | 1,302 |
| Q4 2025 | $11.3M | $8.8M | $4.7M | $2.4M | $109K | 0.97% | 3.74% | 1.70% | 1,303 |
| Q3 2025 | $11.5M | $9.0M | $4.5M | $2.4M | $90K | 1.04% | 3.79% | 1.11% | 1,304 |
| Q2 2025 | $11.5M | $9.1M | $4.7M | $2.4M | $65K | 1.14% | 3.73% | 1.18% | 1,315 |
| Q1 2025 | $11.5M | $9.1M | $4.7M | $2.4M | $31K | 1.07% | 3.60% | 1.20% | 1,315 |
| Q4 2024 | $11.5M | $9.2M | $4.6M | $2.3M | $48K | 0.41% | 3.45% | 0.49% | 1,294 |
| Q3 2024 | $11.7M | $9.3M | $4.6M | $2.3M | $66K | 0.76% | 3.70% | 0.97% | 1,284 |
| Q2 2024 | $11.9M | $9.6M | $4.6M | $2.3M | $41K | 0.69% | 3.61% | 0.71% | 1,286 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 0.60% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 4.1% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.2M · securities $5.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.3% | 81.5% | 40th |
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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