| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.0% | +1.3% | -7.3 pts |
| Share growth (YoY) | -8.8% | +0.7% | -9.4 pts |
| Loan growth (YoY) | -10.2% | -2.4% | -7.8 pts |
| ROA | 1.77% | 0.60% | +1.2 pts |
| ROE | 9.9% | 4.1% | +5.8 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $67.3M | $55.0M | $38.9M | $12.1M | $299K | 1.77% | 4.80% | 0.44% | 5,870 |
| Q4 2025 | $67.9M | $55.8M | $40.1M | $11.8M | $883K | 1.30% | 4.62% | 0.51% | 6,050 |
| Q3 2025 | $68.8M | $56.9M | $41.1M | $11.7M | $817K | 1.58% | 4.69% | 0.88% | 6,110 |
| Q2 2025 | $70.9M | $59.3M | $43.0M | $11.4M | $466K | 1.31% | 4.49% | 0.93% | 6,249 |
| Q1 2025 | $71.6M | $60.3M | $43.4M | $11.1M | $203K | 1.13% | 4.31% | 1.21% | 6,389 |
| Q4 2024 | $70.0M | $58.9M | $44.7M | $10.9M | $738K | 1.05% | 4.22% | 1.12% | 6,477 |
| Q3 2024 | $70.6M | $59.8M | $45.7M | $10.6M | $410K | 0.77% | 4.14% | 0.98% | 6,581 |
| Q2 2024 | $72.9M | $62.2M | $46.1M | $10.4M | $259K | 0.71% | 3.96% | 0.90% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.77% | 0.60% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 4.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.80% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,321 |
Loan mix (Q1 2026): real estate $10.9M · commercial $0 · consumer $24.9M · securities $19.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.5% | 81.5% | 17th |
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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