| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +1.3% | -2.2 pts |
| Share growth (YoY) | -1.5% | +0.7% | -2.2 pts |
| Loan growth (YoY) | -4.6% | -2.4% | -2.3 pts |
| ROA | 0.71% | 0.60% | +0.1 pts |
| ROE | 5.9% | 4.1% | +1.8 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $23.8M | $20.9M | $3.9M | $2.9M | $42K | 0.71% | 3.11% | 1.06% | 2,172 |
| Q4 2025 | $23.4M | $20.5M | $4.0M | $2.8M | $161K | 0.69% | 3.04% | 0.96% | 2,175 |
| Q3 2025 | $23.3M | $20.5M | $3.9M | $2.8M | $108K | 0.62% | 3.02% | 0.76% | 2,187 |
| Q2 2025 | $23.7M | $20.9M | $4.0M | $2.8M | $66K | 0.55% | 2.89% | 1.01% | 2,231 |
| Q1 2025 | $24.0M | $21.2M | $4.0M | $2.7M | $33K | 0.55% | 2.78% | 1.93% | 2,254 |
| Q4 2024 | $23.9M | $21.1M | $4.3M | $2.7M | $92K | 0.39% | 2.73% | 1.73% | 2,254 |
| Q3 2024 | $23.8M | $21.2M | $4.4M | $2.7M | $70K | 0.39% | 2.70% | 1.41% | 2,253 |
| Q2 2024 | $24.9M | $22.2M | $4.5M | $2.7M | $42K | 0.34% | 2.52% | 1.76% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.60% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.1% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,239 |
Loan mix (Q1 2026): real estate $539K · commercial $0 · consumer $3.3M · securities $15.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.7% | 81.5% | 55th |
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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