| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +1.3% | +2.4 pts |
| Share growth (YoY) | +3.8% | +0.7% | +3.1 pts |
| Loan growth (YoY) | -2.9% | -2.4% | -0.5 pts |
| ROA | 0.31% | 0.60% | -0.3 pts |
| ROE | 3.2% | 4.1% | -0.9 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $98.2M | $88.6M | $60.0M | $9.5M | $76K | 0.31% | 2.93% | 1.34% | 5,103 |
| Q4 2025 | $96.3M | $86.8M | $60.3M | $9.5M | $303K | 0.31% | 2.81% | 1.77% | 5,187 |
| Q3 2025 | $95.8M | $86.4M | $61.1M | $9.5M | $244K | 0.34% | 2.75% | 1.24% | 5,230 |
| Q2 2025 | $94.5M | $85.2M | $61.8M | $9.4M | $120K | 0.25% | 2.72% | 0.89% | 5,306 |
| Q1 2025 | $94.7M | $85.4M | $61.8M | $9.3M | $44K | 0.19% | 2.62% | 0.72% | 5,327 |
| Q4 2024 | $93.1M | $83.9M | $62.9M | $9.2M | $7K | 0.01% | 2.42% | 1.20% | 5,380 |
| Q3 2024 | $92.9M | $83.8M | $63.6M | $9.1M | $-263K | -0.38% | 2.40% | 1.04% | 5,439 |
| Q2 2024 | $94.4M | $85.4M | $63.8M | $9.1M | $-241K | -0.51% | 2.31% | 0.72% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.60% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,505 |
Loan mix (Q1 2026): real estate $30.7M · commercial $1.7M · consumer $20.2M · securities $28.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.1% | 81.5% | 61th |
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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