| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.9 pts |
| Share growth (YoY) | -2.3% | +0.7% | -2.9 pts |
| Loan growth (YoY) | -4.3% | -2.4% | -2.0 pts |
| ROA | 1.01% | 0.60% | +0.4 pts |
| ROE | 5.0% | 4.1% | +0.9 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $30.6M | $24.4M | $13.9M | $6.2M | $77K | 1.01% | 4.68% | 0.61% | 2,956 |
| Q4 2025 | $30.1M | $24.2M | $14.4M | $6.1M | $165K | 0.55% | 4.64% | 1.08% | 2,951 |
| Q3 2025 | $30.4M | $24.3M | $14.7M | $6.1M | $115K | 0.50% | 4.53% | 1.10% | 2,939 |
| Q2 2025 | $30.5M | $24.5M | $14.5M | $6.0M | $67K | 0.44% | 4.39% | 0.82% | 2,946 |
| Q1 2025 | $31.1M | $25.0M | $14.6M | $6.1M | $92K | 1.19% | 4.16% | 1.05% | 2,939 |
| Q4 2024 | $30.7M | $24.7M | $14.1M | $6.0M | $107K | 0.35% | 4.12% | 1.91% | 2,899 |
| Q3 2024 | $31.3M | $25.3M | $14.3M | $5.9M | $73K | 0.31% | 3.97% | 0.73% | 2,913 |
| Q2 2024 | $30.9M | $25.0M | $14.5M | $5.9M | $28K | 0.18% | 3.89% | 2.03% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 0.60% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 4.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.68% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,922 |
Loan mix (Q1 2026): real estate $1.4M · commercial $0 · consumer $12.3M · securities $10.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 81.5% | 39th |
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.