| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +1.3% | -1.9 pts |
| Share growth (YoY) | -2.9% | +0.7% | -3.5 pts |
| Loan growth (YoY) | -10.8% | -2.4% | -8.4 pts |
| ROA | 0.87% | 0.60% | +0.3 pts |
| ROE | 3.8% | 4.1% | -0.3 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.5M | $9.7M | $7.0M | $2.9M | $27K | 0.87% | 3.59% | 11.96% | 1,472 |
| Q4 2025 | $12.6M | $9.6M | $7.3M | $2.9M | $299K | 2.38% | 4.79% | 2.43% | 1,493 |
| Q3 2025 | $12.5M | $9.6M | $7.6M | $2.8M | $239K | 2.55% | 4.83% | 1.74% | 1,537 |
| Q2 2025 | $12.8M | $10.1M | $7.7M | $2.7M | $161K | 2.51% | 4.64% | 1.56% | 1,560 |
| Q1 2025 | $12.6M | $10.0M | $7.8M | $2.7M | $67K | 2.13% | 4.36% | 1.72% | 1,603 |
| Q4 2024 | $12.4M | $9.8M | $7.9M | $2.6M | $230K | 1.86% | 4.34% | 1.85% | 1,631 |
| Q3 2024 | $12.6M | $10.1M | $8.3M | $2.5M | $158K | 1.67% | 4.19% | 1.58% | 1,620 |
| Q2 2024 | $13.3M | $10.8M | $8.1M | $2.5M | $115K | 1.74% | 3.82% | 1.82% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.60% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.1% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,608 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.0M · securities $3.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.0% | 81.5% | 51th |
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.