| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +1.3% | -2.2 pts |
| Share growth (YoY) | -3.0% | +0.7% | -3.6 pts |
| Loan growth (YoY) | -4.2% | -2.4% | -1.9 pts |
| ROA | 1.57% | 0.60% | +1.0 pts |
| ROE | 11.2% | 4.1% | +7.1 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $45.2M | $38.6M | $25.8M | $6.4M | $178K | 1.57% | 4.21% | 0.58% | 3,626 |
| Q4 2025 | $45.0M | $38.7M | $26.3M | $6.2M | $453K | 1.01% | 3.83% | 0.63% | 3,632 |
| Q3 2025 | $44.0M | $37.7M | $26.6M | $6.0M | $307K | 0.93% | 3.84% | 0.57% | 3,614 |
| Q2 2025 | $44.9M | $39.0M | $26.6M | $5.9M | $136K | 0.60% | 3.54% | 0.77% | 3,549 |
| Q1 2025 | $45.6M | $39.8M | $27.0M | $5.8M | $34K | 0.30% | 3.30% | 1.60% | 3,541 |
| Q4 2024 | $45.8M | $40.1M | $27.3M | $5.7M | $396K | 0.86% | 3.20% | 0.62% | 3,529 |
| Q3 2024 | $45.0M | $39.5M | $27.4M | $5.7M | $327K | 0.97% | 3.23% | 0.30% | 3,539 |
| Q2 2024 | $45.3M | $40.1M | $28.0M | $5.6M | $230K | 1.01% | 3.10% | 0.30% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 0.60% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,438 |
Loan mix (Q1 2026): real estate $7.7M · commercial $0 · consumer $13.3M · securities $15.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.0% | 81.5% | 19th |
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.