| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +1.3% | -2.8 pts |
| Share growth (YoY) | -2.5% | +0.7% | -3.1 pts |
| Loan growth (YoY) | +3.8% | -2.4% | +6.2 pts |
| ROA | 0.69% | 0.60% | +0.1 pts |
| ROE | 6.8% | 4.1% | +2.7 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $85.9M | $76.7M | $37.9M | $8.8M | $149K | 0.69% | 3.90% | 0.33% | 7,564 |
| Q4 2025 | $86.6M | $77.2M | $36.3M | $8.7M | $634K | 0.73% | 3.80% | 0.39% | 7,537 |
| Q3 2025 | $87.3M | $78.2M | $35.2M | $8.5M | $450K | 0.69% | 3.73% | 0.35% | 7,508 |
| Q2 2025 | $86.6M | $77.8M | $35.4M | $8.3M | $259K | 0.60% | 3.69% | 0.53% | 8,366 |
| Q1 2025 | $87.2M | $78.6M | $36.5M | $8.2M | $120K | 0.55% | 3.58% | 0.88% | 8,407 |
| Q4 2024 | $87.6M | $79.0M | $37.6M | $8.0M | $693K | 0.79% | 3.35% | 0.92% | 8,525 |
| Q3 2024 | $88.6M | $80.2M | $39.3M | $7.9M | $515K | 0.78% | 3.24% | 0.71% | 6,034 |
| Q2 2024 | $88.1M | $79.7M | $40.3M | $7.6M | $186K | 0.42% | 3.17% | 0.94% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.60% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 4.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,036 |
Loan mix (Q1 2026): real estate $5.1M · commercial $0 · consumer $32.1M · securities $40.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.3% | 81.5% | 50th |
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.