| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +1.3% | -1.6 pts |
| Share growth (YoY) | -1.7% | +0.7% | -2.4 pts |
| Loan growth (YoY) | -5.4% | -2.4% | -3.0 pts |
| ROA | 0.68% | 0.60% | +0.1 pts |
| ROE | 6.8% | 4.1% | +2.7 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.9M | $19.6M | $4.9M | $2.2M | $37K | 0.68% | 3.75% | 0.48% | 1,148 |
| Q4 2025 | $21.1M | $18.8M | $5.2M | $2.2M | $193K | 0.91% | 4.07% | 1.30% | 1,155 |
| Q3 2025 | $21.4M | $19.1M | $5.3M | $2.1M | $153K | 0.96% | 4.08% | 1.31% | 1,174 |
| Q2 2025 | $21.9M | $19.7M | $5.1M | $2.1M | $94K | 0.86% | 3.96% | 0.43% | 1,188 |
| Q1 2025 | $22.0M | $19.9M | $5.2M | $2.0M | $38K | 0.69% | 3.74% | 0.52% | 1,216 |
| Q4 2024 | $21.4M | $19.4M | $5.5M | $2.0M | $184K | 0.86% | 3.76% | 0.46% | 1,235 |
| Q3 2024 | $21.1M | $19.1M | $5.4M | $2.0M | $163K | 1.03% | 3.75% | 0.86% | 1,241 |
| Q2 2024 | $21.3M | $19.5M | $5.4M | $1.9M | $88K | 0.83% | 3.56% | 0.27% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.60% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 4.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,258 |
Loan mix (Q1 2026): real estate $2.6M · commercial $0 · consumer $2.1M · securities $13.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 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% |
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