| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.7% | +1.3% | -7.0 pts |
| Share growth (YoY) | -8.1% | +0.7% | -8.8 pts |
| Loan growth (YoY) | -1.2% | -2.4% | +1.2 pts |
| ROA | 0.52% | 0.60% | -0.1 pts |
| ROE | 6.0% | 4.1% | +1.9 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.5M | $6.7M | $5.1M | $652K | $10K | 0.52% | 6.08% | 0.63% | 2,849 |
| Q4 2025 | $7.7M | $6.9M | $5.1M | $644K | $32K | 0.41% | 5.81% | 1.39% | 2,835 |
| Q3 2025 | $7.7M | $7.0M | $5.2M | $636K | $24K | 0.42% | 5.61% | 0.09% | 3,079 |
| Q2 2025 | $8.1M | $7.3M | $5.1M | $628K | $16K | 0.39% | 5.33% | 0.00% | 3,056 |
| Q1 2025 | $7.9M | $7.3M | $5.2M | $619K | $7K | 0.37% | 5.42% | 0.00% | 3,040 |
| Q4 2024 | $7.9M | $7.3M | $5.4M | $612K | $32K | 0.40% | 5.44% | 0.00% | 2,870 |
| Q3 2024 | $7.8M | $7.2M | $5.5M | $599K | $19K | 0.32% | 5.47% | 0.00% | 2,983 |
| Q2 2024 | $7.5M | $6.9M | $5.5M | $591K | $11K | 0.29% | 5.54% | 0.00% | 2,963 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.60% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 4.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.08% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.8M · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.5% | 81.5% | 40th |
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% |
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