| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +1.3% | -1.6 pts |
| Share growth (YoY) | -0.1% | +0.7% | -0.8 pts |
| Loan growth (YoY) | +3.4% | -2.4% | +5.8 pts |
| ROA | 0.62% | 0.60% | +0.0 pts |
| ROE | 5.1% | 4.1% | +1.0 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $60.3M | $49.0M | $37.1M | $7.3M | $93K | 0.62% | 3.13% | 0.42% | 4,315 |
| Q4 2025 | $60.0M | $48.5M | $38.2M | $7.2M | $248K | 0.41% | 2.98% | 0.31% | 4,337 |
| Q3 2025 | $58.6M | $47.1M | $38.3M | $8.2M | $194K | 0.44% | 2.99% | 0.34% | 4,378 |
| Q2 2025 | $60.0M | $48.0M | $37.9M | $8.1M | $100K | 0.33% | 2.90% | 0.53% | 4,403 |
| Q1 2025 | $60.4M | $49.1M | $35.8M | $8.0M | $46K | 0.30% | 2.78% | 0.40% | 4,409 |
| Q4 2024 | $59.7M | $48.0M | $34.6M | $8.0M | $359K | 0.60% | 3.12% | 0.98% | 4,433 |
| Q3 2024 | $61.9M | $49.4M | $34.8M | $7.9M | $339K | 0.73% | 3.06% | 0.74% | 4,468 |
| Q2 2024 | $66.1M | $53.2M | $34.7M | $7.8M | $233K | 0.70% | 2.91% | 0.74% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.60% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 4.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,514 |
Loan mix (Q1 2026): real estate $32.1M · commercial $81K · consumer $4.7M · securities $12.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.2% | 81.5% | 56th |
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.