| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +1.3% | -2.0 pts |
| Share growth (YoY) | -4.8% | +0.7% | -5.5 pts |
| Loan growth (YoY) | -0.3% | -2.4% | +2.0 pts |
| ROA | 2.10% | 0.60% | +1.5 pts |
| ROE | 5.6% | 4.1% | +1.5 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $15.7M | $9.8M | $7.9M | $5.9M | $83K | 2.10% | 4.18% | 1.06% | 3,108 |
| Q4 2025 | $15.5M | $9.6M | $7.9M | $5.8M | $366K | 2.36% | 4.23% | 0.83% | 3,581 |
| Q3 2025 | $15.9M | $10.1M | $7.8M | $5.8M | $281K | 2.35% | 4.17% | 0.65% | 3,104 |
| Q2 2025 | $16.1M | $10.4M | $7.7M | $5.7M | $190K | 2.36% | 4.10% | 0.60% | 3,111 |
| Q1 2025 | $15.8M | $10.2M | $7.9M | $5.6M | $88K | 2.22% | 4.19% | 0.53% | 3,102 |
| Q4 2024 | $15.9M | $10.4M | $7.9M | $5.5M | $339K | 2.13% | 3.89% | 0.84% | 3,111 |
| Q3 2024 | $16.3M | $10.9M | $7.4M | $5.4M | $284K | 2.33% | 4.09% | 0.34% | 3,088 |
| Q2 2024 | $15.9M | $10.5M | $7.4M | $5.3M | $198K | 2.49% | 4.18% | 0.51% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.10% | 0.60% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.1% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,075 |
Loan mix (Q1 2026): real estate $951K · commercial $0 · consumer $6.4M · securities $7.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.3% | 81.5% | 5th |
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.