| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +1.3% | +0.0 pts |
| Share growth (YoY) | +2.6% | +0.7% | +2.0 pts |
| Loan growth (YoY) | +0.9% | -2.4% | +3.3 pts |
| ROA | 0.02% | 0.60% | -0.6 pts |
| ROE | 0.1% | 4.1% | -4.0 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.3M | $6.9M | $3.6M | $1.4M | $502 | 0.02% | 4.11% | 3.22% | 1,556 |
| Q4 2025 | $8.1M | $6.8M | $3.7M | $1.4M | $-67K | -0.83% | 4.05% | 2.46% | 1,559 |
| Q3 2025 | $8.8M | $7.2M | $3.9M | $1.4M | $-77K | -1.17% | 3.99% | 1.91% | 1,573 |
| Q2 2025 | $8.5M | $7.0M | $3.8M | $1.4M | $-77K | -1.81% | 3.87% | 1.90% | 1,586 |
| Q1 2025 | $8.2M | $6.7M | $3.6M | $1.4M | $-21K | -1.02% | 4.73% | 3.18% | 1,581 |
| Q4 2024 | $8.0M | $6.5M | $3.7M | $1.4M | $121K | 1.51% | 4.73% | 1.41% | 1,564 |
| Q3 2024 | $8.8M | $7.3M | $3.9M | $1.4M | $108K | 1.63% | 4.49% | 2.78% | 1,573 |
| Q2 2024 | $8.9M | $7.5M | $3.9M | $1.3M | $52K | 1.17% | 4.20% | 1.57% | 1,584 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 0.60% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 4.1% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.5M · commercial $0 · consumer $1.9M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.4% | 81.5% | 84th |
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.