| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.1 pts |
| Share growth (YoY) | -2.1% | +0.7% | -2.8 pts |
| Loan growth (YoY) | -1.9% | -2.4% | +0.4 pts |
| ROA | 0.48% | 0.60% | -0.1 pts |
| ROE | 3.5% | 4.1% | -0.6 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 | $32.5M | $28.0M | $13.5M | $4.5M | $39K | 0.48% | 3.57% | 0.26% | 4,480 |
| Q4 2025 | $32.7M | $28.1M | $13.8M | $4.4M | $241K | 0.74% | 3.54% | 0.45% | 4,485 |
| Q3 2025 | $32.8M | $28.2M | $14.1M | $4.4M | $190K | 0.77% | 3.49% | 0.36% | 4,509 |
| Q2 2025 | $33.4M | $29.1M | $13.8M | $4.3M | $96K | 0.58% | 3.33% | 0.53% | 4,564 |
| Q1 2025 | $32.8M | $28.6M | $13.8M | $4.3M | $53K | 0.65% | 3.28% | 0.75% | 4,597 |
| Q4 2024 | $32.8M | $28.5M | $13.8M | $4.2M | $108K | 0.33% | 3.08% | 1.00% | 4,645 |
| Q3 2024 | $33.2M | $28.9M | $14.2M | $4.2M | $95K | 0.38% | 3.01% | 0.96% | 4,688 |
| Q2 2024 | $32.9M | $28.8M | $14.3M | $4.1M | $18K | 0.11% | 2.99% | 0.65% |
| 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 | 3.5% | 4.1% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,662 |
Loan mix (Q1 2026): real estate $658K · commercial $0 · consumer $12.1M · securities $8.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.5% | 81.5% | 74th |
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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