| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | +0.9% | +0.7% | +0.2 pts |
| Loan growth (YoY) | -5.5% | -2.4% | -3.2 pts |
| ROA | 0.69% | 0.60% | +0.1 pts |
| ROE | 3.1% | 4.1% | -1.0 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.2M | $19.1M | $20.1M | $5.5M | $43K | 0.69% | 7.59% | 1.26% | 4,006 |
| Q4 2025 | $24.6M | $19.6M | $20.9M | $5.5M | $187K | 0.76% | 8.16% | 0.84% | 4,203 |
| Q3 2025 | $24.4M | $18.4M | $21.4M | $5.4M | $135K | 0.74% | 8.17% | 1.09% | 4,214 |
| Q2 2025 | $24.6M | $18.4M | $21.4M | $5.3M | $43K | 0.35% | 7.72% | 1.72% | 4,389 |
| Q1 2025 | $24.9M | $18.9M | $21.3M | $5.3M | $-14K | -0.23% | 7.77% | 1.43% | 4,328 |
| Q4 2024 | $24.4M | $18.6M | $21.7M | $5.3M | $111K | 0.46% | 8.45% | 1.59% | 4,382 |
| Q3 2024 | $25.4M | $19.2M | $22.3M | $5.3M | $135K | 0.71% | 8.14% | 2.75% | 4,389 |
| Q2 2024 | $25.5M | $20.2M | $22.1M | $5.3M | $71K | 0.56% | 8.03% | 2.32% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.60% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 4.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.59% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,389 |
Loan mix (Q1 2026): real estate $1.9M · commercial $0 · consumer $15.4M · securities $14K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.3% | 81.5% | 73th |
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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