| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +1.3% | -1.1 pts |
| Share growth (YoY) | -0.1% | +0.7% | -0.8 pts |
| Loan growth (YoY) | -2.5% | -2.4% | -0.1 pts |
| ROA | 0.22% | 0.60% | -0.4 pts |
| ROE | 2.1% | 4.1% | -2.0 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $50.6M | $44.8M | $23.3M | $5.4M | $28K | 0.22% | 4.21% | 0.56% | 2,918 |
| Q4 2025 | $49.1M | $43.2M | $24.2M | $5.3M | $83K | 0.17% | 4.51% | 1.44% | 3,345 |
| Q3 2025 | $48.7M | $43.0M | $24.4M | $5.3M | $58K | 0.16% | 4.59% | 2.19% | 3,366 |
| Q2 2025 | $48.9M | $43.1M | $25.1M | $5.2M | $-623 | -0.00% | 4.49% | 2.62% | 3,378 |
| Q1 2025 | $50.4M | $44.9M | $23.9M | $5.2M | $-68K | -0.54% | 4.21% | 2.41% | 3,394 |
| Q4 2024 | $50.2M | $44.5M | $25.1M | $5.2M | $241K | 0.48% | 4.46% | 1.62% | 3,415 |
| Q3 2024 | $50.3M | $44.7M | $26.2M | $5.2M | $210K | 0.56% | 4.44% | 0.59% | 3,467 |
| Q2 2024 | $51.8M | $46.5M | $26.5M | $5.1M | $91K | 0.35% | 4.17% | 1.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.60% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,915 |
Loan mix (Q1 2026): real estate $500K · commercial $0 · consumer $21.1M · securities $18.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.4% | 81.5% | 59th |
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.