| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.5% | +1.3% | -8.8 pts |
| Share growth (YoY) | -9.6% | +0.7% | -10.2 pts |
| Loan growth (YoY) | -5.0% | -2.4% | -2.6 pts |
| ROA | 1.00% | 0.60% | +0.4 pts |
| ROE | 8.5% | 4.1% | +4.4 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.9M | $22.7M | $14.2M | $3.0M | $65K | 1.00% | 4.62% | 0.00% | 2,338 |
| Q4 2025 | $25.6M | $22.1M | $14.2M | $3.0M | $323K | 1.26% | 4.39% | 0.08% | 2,343 |
| Q3 2025 | $26.7M | $23.7M | $14.2M | $3.0M | $260K | 1.30% | 4.24% | 0.11% | 2,365 |
| Q2 2025 | $26.8M | $23.8M | $14.7M | $2.9M | $190K | 1.42% | 4.34% | 0.22% | 2,361 |
| Q1 2025 | $28.0M | $25.1M | $15.0M | $2.8M | $112K | 1.59% | 4.34% | 0.00% | 2,380 |
| Q4 2024 | $26.9M | $24.1M | $14.9M | $2.7M | $136K | 0.51% | 3.79% | 0.12% | 2,394 |
| Q3 2024 | $27.4M | $24.6M | $15.0M | $2.6M | $97K | 0.47% | 3.79% | 0.01% | 2,405 |
| Q2 2024 | $27.7M | $24.9M | $15.2M | $2.5M | $64K | 0.46% | 3.71% | 0.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.60% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 4.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,430 |
Loan mix (Q1 2026): real estate $3.2M · commercial $0 · consumer $9.7M · securities $9.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.2% | 81.5% | 44th |
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.