| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.8% | +1.3% | -5.0 pts |
| Share growth (YoY) | -5.4% | +0.7% | -6.1 pts |
| Loan growth (YoY) | +2.3% | -2.4% | +4.6 pts |
| ROA | 1.20% | 0.60% | +0.6 pts |
| ROE | 9.2% | 4.1% | +5.1 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $81.3M | $69.7M | $53.2M | $10.6M | $243K | 1.20% | 4.10% | 0.21% | 7,026 |
| Q4 2025 | $83.3M | $71.6M | $52.8M | $10.3M | $973K | 1.17% | 3.79% | 0.45% | 7,014 |
| Q3 2025 | $83.0M | $71.7M | $52.5M | $10.1M | $750K | 1.21% | 3.78% | 0.86% | 7,116 |
| Q2 2025 | $83.8M | $72.9M | $51.9M | $9.8M | $438K | 1.04% | 3.69% | 0.27% | 7,170 |
| Q1 2025 | $84.4M | $73.7M | $52.0M | $9.6M | $244K | 1.16% | 3.52% | 0.45% | 7,270 |
| Q4 2024 | $83.6M | $73.2M | $52.1M | $9.4M | $643K | 0.77% | 3.29% | 0.55% | 7,330 |
| Q3 2024 | $83.1M | $73.0M | $55.1M | $9.2M | $469K | 0.75% | 3.25% | 0.48% | 7,561 |
| Q2 2024 | $82.6M | $72.2M | $55.7M | $9.1M | $375K | 0.91% | 3.23% | 1.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.60% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 4.1% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,620 |
Loan mix (Q1 2026): real estate $18.8M · commercial $0 · consumer $30.2M · securities $10.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.5% | 81.5% | 36th |
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.