| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.7% | +1.3% | -6.0 pts |
| Share growth (YoY) | -6.3% | +0.7% | -6.9 pts |
| Loan growth (YoY) | +2.8% | -2.4% | +5.2 pts |
| ROA | 0.99% | 0.60% | +0.4 pts |
| ROE | 5.6% | 4.1% | +1.5 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 | $24.1M | $20.2M | $9.6M | $4.2M | $60K | 0.99% | 3.26% | 0.30% | 1,661 |
| Q4 2025 | $23.3M | $19.5M | $10.1M | $4.2M | $171K | 0.74% | 3.60% | 0.89% | 1,669 |
| Q3 2025 | $23.8M | $20.0M | $9.8M | $4.2M | $206K | 1.15% | 3.82% | 0.83% | 1,673 |
| Q2 2025 | $24.8M | $21.1M | $9.8M | $4.2M | $162K | 1.31% | 3.69% | 1.43% | 1,665 |
| Q1 2025 | $25.2M | $21.6M | $9.4M | $4.1M | $73K | 1.16% | 3.35% | 0.63% | 1,677 |
| Q4 2024 | $24.3M | $20.8M | $9.5M | $4.0M | $135K | 0.56% | 2.89% | 1.01% | 1,685 |
| Q3 2024 | $24.2M | $20.8M | $10.0M | $4.0M | $101K | 0.55% | 2.99% | 2.11% | 1,694 |
| Q2 2024 | $24.3M | $20.9M | $9.9M | $4.0M | $62K | 0.51% | 2.81% | 1.89% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.60% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.1% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,697 |
Loan mix (Q1 2026): real estate $3.6M · commercial $0 · consumer $5.7M · securities $9.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.4% | 81.5% | 32th |
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.