| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +1.3% | +0.8 pts |
| Share growth (YoY) | +2.5% | +0.7% | +1.8 pts |
| Loan growth (YoY) | -1.5% | -2.4% | +0.9 pts |
| ROA | 0.17% | 0.60% | -0.4 pts |
| ROE | 1.5% | 4.1% | -2.6 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $62.6M | $57.4M | $39.9M | $7.0M | $27K | 0.17% | 3.17% | 0.36% | 6,457 |
| Q4 2025 | $60.2M | $55.1M | $41.7M | $7.0M | $241K | 0.40% | 3.40% | 0.49% | 6,473 |
| Q3 2025 | $59.5M | $54.2M | $42.3M | $6.9M | $172K | 0.38% | 3.44% | 0.30% | 6,564 |
| Q2 2025 | $60.7M | $55.3M | $43.4M | $6.9M | $104K | 0.34% | 3.35% | 0.15% | 6,569 |
| Q1 2025 | $61.3M | $56.0M | $40.5M | $6.8M | $52K | 0.34% | 3.26% | 0.06% | 6,548 |
| Q4 2024 | $58.4M | $53.0M | $40.5M | $6.8M | $85K | 0.14% | 3.48% | 0.40% | 6,661 |
| Q3 2024 | $57.6M | $52.5M | $40.0M | $6.6M | $-104K | -0.24% | 3.54% | 0.95% | 6,698 |
| Q2 2024 | $58.1M | $53.0M | $39.0M | $6.6M | $-80K | -0.28% | 3.44% | 0.32% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 0.60% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 4.1% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,654 |
Loan mix (Q1 2026): real estate $18.0M · commercial $0 · consumer $20.7M · securities $6.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.5% | 81.5% | 90th |
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.