| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | +0.2% | +0.7% | -0.5 pts |
| Loan growth (YoY) | -13.8% | -2.4% | -11.5 pts |
| ROA | 0.23% | 0.60% | -0.4 pts |
| ROE | 1.5% | 4.1% | -2.6 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $78.9M | $64.7M | $43.0M | $12.6M | $46K | 0.23% | 4.32% | 0.40% | 8,999 |
| Q4 2025 | $76.1M | $62.3M | $45.4M | $12.6M | $467K | 0.61% | 4.83% | 0.61% | 9,060 |
| Q3 2025 | $76.7M | $63.1M | $46.8M | $12.7M | $627K | 1.09% | 4.81% | 0.35% | 9,135 |
| Q2 2025 | $78.2M | $64.7M | $48.1M | $12.4M | $314K | 0.80% | 4.66% | 0.35% | 9,255 |
| Q1 2025 | $78.1M | $64.6M | $49.9M | $12.4M | $276K | 1.41% | 4.42% | 0.24% | 9,313 |
| Q4 2024 | $70.3M | $57.3M | $49.4M | $11.2M | $1.2M | 1.67% | 4.95% | 0.33% | 8,819 |
| Q3 2024 | $69.5M | $57.1M | $50.6M | $10.8M | $812K | 1.56% | 4.97% | 0.48% | 8,805 |
| Q2 2024 | $69.6M | $57.7M | $51.7M | $10.5M | $479K | 1.38% | 4.88% | 0.90% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.60% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 4.1% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,773 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $38.0M · securities $109K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.6% | 81.5% | 62th |
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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