| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +1.3% | -1.1 pts |
| Share growth (YoY) | -0.7% | +0.7% | -1.4 pts |
| Loan growth (YoY) | -1.9% | -2.4% | +0.5 pts |
| ROA | 0.41% | 0.60% | -0.2 pts |
| ROE | 3.9% | 4.1% | -0.2 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $65.7M | $58.2M | $50.3M | $6.9M | $68K | 0.41% | 3.65% | 0.09% | 4,289 |
| Q4 2025 | $63.2M | $55.9M | $50.2M | $6.9M | $492K | 0.78% | 3.86% | 0.25% | 4,312 |
| Q3 2025 | $64.9M | $57.8M | $51.4M | $6.8M | $403K | 0.83% | 3.76% | 0.35% | 4,301 |
| Q2 2025 | $65.9M | $58.9M | $51.4M | $6.6M | $272K | 0.83% | 3.65% | 0.19% | 4,315 |
| Q1 2025 | $65.5M | $58.6M | $51.2M | $6.5M | $125K | 0.76% | 3.55% | 0.20% | 4,286 |
| Q4 2024 | $62.4M | $55.8M | $50.9M | $6.4M | $512K | 0.82% | 3.73% | 0.60% | 4,323 |
| Q3 2024 | $62.6M | $56.0M | $51.8M | $6.3M | $412K | 0.88% | 3.73% | 0.47% | 4,320 |
| Q2 2024 | $61.2M | $54.6M | $52.1M | $6.1M | $274K | 0.90% | 3.81% | 0.19% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.60% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 4.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,294 |
Loan mix (Q1 2026): real estate $31.3M · commercial $0 · consumer $14.6M · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.7% | 81.5% | 70th |
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.