| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +1.3% | +5.3 pts |
| Share growth (YoY) | +7.3% | +0.7% | +6.6 pts |
| Loan growth (YoY) | -7.1% | -2.4% | -4.7 pts |
| ROA | 0.48% | 0.60% | -0.1 pts |
| ROE | 2.5% | 4.1% | -1.6 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $59.3M | $48.2M | $22.0M | $11.4M | $71K | 0.48% | 2.73% | 0.37% | 3,535 |
| Q4 2025 | $57.3M | $46.3M | $22.6M | $11.3M | $502K | 0.88% | 2.99% | 0.20% | 3,535 |
| Q3 2025 | $56.1M | $45.2M | $23.1M | $11.2M | $380K | 0.90% | 3.00% | 0.06% | 3,535 |
| Q2 2025 | $56.3M | $45.1M | $23.4M | $11.1M | $249K | 0.89% | 2.93% | 0.15% | 3,535 |
| Q1 2025 | $55.6M | $44.9M | $23.7M | $10.9M | $87K | 0.63% | 2.84% | 0.11% | 3,535 |
| Q4 2024 | $53.7M | $43.0M | $23.8M | $10.8M | $465K | 0.86% | 3.08% | 0.26% | 3,535 |
| Q3 2024 | $52.3M | $42.3M | $24.4M | $10.2M | $92K | 0.23% | 2.54% | 0.16% | 3,535 |
| Q2 2024 | $51.9M | $42.0M | $24.6M | $10.1M | $2K | 0.01% | 2.33% | 0.14% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.60% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 4.1% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.73% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,535 |
Loan mix (Q1 2026): real estate $2.3M · commercial $0 · consumer $19.5M · securities $33.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.0% | 81.5% | 56th |
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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