| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +1.3% | +4.4 pts |
| Share growth (YoY) | +5.2% | +0.7% | +4.5 pts |
| Loan growth (YoY) | -31.2% | -2.4% | -28.8 pts |
| ROA | 0.10% | 0.60% | -0.5 pts |
| ROE | 1.2% | 4.1% | -2.9 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $68.9M | $63.6M | $19.5M | $5.8M | $18K | 0.10% | 3.43% | 1.20% | 6,195 |
| Q4 2025 | $67.6M | $62.2M | $21.3M | $5.8M | $263K | 0.39% | 3.69% | 1.31% | 6,199 |
| Q3 2025 | $66.8M | $61.4M | $23.2M | $5.9M | $304K | 0.61% | 3.77% | 1.69% | 6,234 |
| Q2 2025 | $66.3M | $61.3M | $25.4M | $5.8M | $210K | 0.63% | 3.64% | 1.45% | 7,201 |
| Q1 2025 | $65.2M | $60.5M | $28.3M | $5.8M | $139K | 0.85% | 3.67% | 0.52% | 7,732 |
| Q4 2024 | $61.5M | $57.0M | $30.9M | $5.6M | $256K | 0.42% | 3.84% | 1.54% | 7,725 |
| Q3 2024 | $62.5M | $57.7M | $33.3M | $5.6M | $146K | 0.31% | 3.81% | 1.17% | 7,765 |
| Q2 2024 | $64.7M | $60.7M | $36.2M | $5.7M | $210K | 0.65% | 3.66% | 0.70% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 0.60% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 4.1% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,825 |
Loan mix (Q1 2026): real estate $5.6M · commercial $0 · consumer $13.3M · securities $19.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.8% | 81.5% | 69th |
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.