| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +1.3% | -2.8 pts |
| Share growth (YoY) | -2.9% | +0.7% | -3.5 pts |
| Loan growth (YoY) | -4.8% | -2.4% | -2.4 pts |
| ROA | 0.87% | 0.60% | +0.3 pts |
| ROE | 7.8% | 4.1% | +3.7 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $63.6M | $56.3M | $22.3M | $7.1M | $139K | 0.87% | 3.58% | 0.21% | 5,801 |
| Q4 2025 | $62.1M | $54.9M | $22.7M | $7.0M | $683K | 1.10% | 3.67% | 0.25% | 5,810 |
| Q3 2025 | $62.5M | $55.4M | $23.4M | $6.8M | $537K | 1.15% | 3.74% | 0.22% | 5,849 |
| Q2 2025 | $64.4M | $57.5M | $23.6M | $6.7M | $362K | 1.13% | 3.61% | 0.18% | 5,876 |
| Q1 2025 | $64.6M | $57.9M | $23.5M | $6.4M | $124K | 0.77% | 3.50% | 0.08% | 5,876 |
| Q4 2024 | $63.7M | $57.2M | $22.8M | $6.3M | $646K | 1.01% | 3.22% | 0.23% | 5,856 |
| Q3 2024 | $62.3M | $56.0M | $22.6M | $6.1M | $470K | 1.01% | 3.23% | 0.11% | 5,886 |
| Q2 2024 | $62.7M | $56.4M | $22.5M | $6.0M | $309K | 0.99% | 3.07% | 0.35% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.60% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 4.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,892 |
Loan mix (Q1 2026): real estate $3.2M · commercial $457K · consumer $17.1M · securities $33.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.4% | 81.5% | 45th |
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.