| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +1.3% | -3.3 pts |
| Share growth (YoY) | -2.6% | +0.7% | -3.3 pts |
| Loan growth (YoY) | -0.1% | -2.4% | +2.2 pts |
| ROA | 0.21% | 0.60% | -0.4 pts |
| ROE | 2.3% | 4.1% | -1.8 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $51.8M | $46.9M | $40.3M | $4.6M | $27K | 0.21% | 4.47% | 0.79% | 5,234 |
| Q4 2025 | $51.6M | $46.7M | $39.8M | $4.6M | $169K | 0.33% | 4.46% | 0.69% | 5,246 |
| Q3 2025 | $52.0M | $47.0M | $40.1M | $4.6M | $165K | 0.42% | 4.40% | 0.54% | 5,282 |
| Q2 2025 | $52.8M | $48.2M | $40.1M | $4.5M | $45K | 0.17% | 4.28% | 0.54% | 5,304 |
| Q1 2025 | $52.8M | $48.2M | $40.3M | $4.4M | $9K | 0.06% | 4.20% | 0.79% | 5,346 |
| Q4 2024 | $51.6M | $47.3M | $40.7M | $4.4M | $38K | 0.07% | 3.99% | 0.61% | 5,374 |
| Q3 2024 | $52.5M | $48.1M | $41.1M | $4.4M | $14K | 0.04% | 3.82% | 0.64% | 5,388 |
| Q2 2024 | $53.9M | $49.6M | $40.9M | $4.5M | $61K | 0.23% | 3.58% | 0.59% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.60% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 4.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,393 |
Loan mix (Q1 2026): real estate $15.7M · commercial $0 · consumer $19.3M · securities $6.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.2% | 81.5% | 61th |
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.