| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.1% | +1.3% | -7.4 pts |
| Share growth (YoY) | -7.5% | +0.7% | -8.2 pts |
| Loan growth (YoY) | +3.2% | -2.4% | +5.6 pts |
| ROA | 0.59% | 0.60% | -0.0 pts |
| ROE | 3.2% | 4.1% | -0.9 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.5M | $8.6M | $3.1M | $1.9M | $16K | 0.59% | 3.05% | 0.30% | 1,227 |
| Q4 2025 | $10.6M | $8.7M | $3.2M | $1.9M | $14K | 0.13% | 2.84% | 1.08% | 1,226 |
| Q3 2025 | $10.9M | $9.0M | $2.9M | $1.9M | $37K | 0.45% | 2.74% | 2.78% | 1,226 |
| Q2 2025 | $10.7M | $8.7M | $3.0M | $1.9M | $24K | 0.46% | 2.78% | 1.13% | 1,230 |
| Q1 2025 | $11.2M | $9.3M | $3.0M | $1.9M | $11K | 0.38% | 2.57% | 1.00% | 1,232 |
| Q4 2024 | $11.6M | $9.7M | $3.0M | $1.9M | $10K | 0.09% | 2.46% | 1.33% | 1,232 |
| Q3 2024 | $11.1M | $9.2M | $3.1M | $1.9M | $25K | 0.30% | 2.54% | 1.49% | 1,236 |
| Q2 2024 | $11.3M | $9.4M | $3.1M | $1.9M | $16K | 0.29% | 2.40% | 1.52% | 1,244 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.60% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.1% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $20K · commercial $0 · consumer $2.6M · securities $7.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.3% | 81.5% | 54th |
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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