| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | -3.2% | +0.7% | -3.9 pts |
| Loan growth (YoY) | -7.5% | -2.4% | -5.2 pts |
| ROA | 0.89% | 0.60% | +0.3 pts |
| ROE | 5.9% | 4.1% | +1.8 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $70.4M | $58.6M | $19.0M | $10.5M | $156K | 0.89% | 3.23% | 1.77% | 4,143 |
| Q4 2025 | $70.2M | $58.5M | $19.3M | $10.4M | $762K | 1.09% | 3.46% | 1.77% | 4,153 |
| Q3 2025 | $70.0M | $58.5M | $20.1M | $10.1M | $558K | 1.06% | 3.53% | 1.83% | 4,290 |
| Q2 2025 | $71.2M | $60.1M | $20.6M | $9.9M | $316K | 0.89% | 3.45% | 1.58% | 4,335 |
| Q1 2025 | $71.4M | $60.5M | $20.6M | $9.7M | $108K | 0.60% | 3.32% | 0.03% | 4,366 |
| Q4 2024 | $70.0M | $59.1M | $20.8M | $9.6M | $522K | 0.75% | 3.37% | 0.02% | 4,381 |
| Q3 2024 | $68.5M | $57.7M | $20.9M | $9.4M | $382K | 0.74% | 3.05% | 0.00% | 4,508 |
| Q2 2024 | $60.8M | $51.9M | $19.4M | $7.6M | $182K | 0.60% | 3.19% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.60% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,902 |
Loan mix (Q1 2026): real estate $12.8M · commercial $0 · consumer $6.0M · securities $38.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.5% | 81.5% | 34th |
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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