| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +1.3% | -1.6 pts |
| Share growth (YoY) | -2.1% | +0.7% | -2.8 pts |
| Loan growth (YoY) | -10.8% | -2.4% | -8.4 pts |
| ROA | 1.12% | 0.60% | +0.5 pts |
| ROE | 2.6% | 4.1% | -1.5 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $77.6M | $43.4M | $31.0M | $33.9M | $218K | 1.12% | 2.67% | 3.25% | 3,655 |
| Q4 2025 | $76.1M | $42.4M | $32.8M | $33.7M | $227K | 0.30% | 3.10% | 3.81% | 3,673 |
| Q3 2025 | $77.3M | $43.7M | $33.8M | $33.7M | $158K | 0.27% | 3.10% | 3.18% | 3,695 |
| Q2 2025 | $80.4M | $46.8M | $34.3M | $33.6M | $100K | 0.25% | 2.93% | 4.05% | 3,703 |
| Q1 2025 | $77.8M | $44.4M | $34.8M | $33.5M | $46K | 0.23% | 2.99% | 3.77% | 3,673 |
| Q4 2024 | $76.9M | $43.3M | $34.5M | $33.5M | $820K | 1.07% | 3.38% | 4.34% | 3,656 |
| Q3 2024 | $77.6M | $44.2M | $33.9M | $33.4M | $691K | 1.19% | 3.41% | 3.05% | 3,362 |
| Q2 2024 | $76.7M | $43.6M | $33.8M | $33.2M | $511K | 1.33% | 3.46% | 2.58% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.60% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 4.1% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,350 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $28.6M · securities $29.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.0% | 81.5% | 14th |
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.