| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +1.3% | -1.7 pts |
| Share growth (YoY) | -2.6% | +0.7% | -3.2 pts |
| Loan growth (YoY) | -13.9% | -2.4% | -11.5 pts |
| ROA | 2.21% | 0.60% | +1.6 pts |
| ROE | 14.1% | 4.1% | +10.0 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $56.7M | $47.3M | $24.4M | $8.9M | $314K | 2.21% | 4.55% | 0.31% | 8,374 |
| Q4 2025 | $55.2M | $46.2M | $25.4M | $8.6M | $1.3M | 2.33% | 4.15% | 0.35% | 8,400 |
| Q3 2025 | $55.3M | $46.2M | $26.6M | $8.5M | $1.3M | 3.07% | 4.77% | 0.39% | 8,427 |
| Q2 2025 | $55.2M | $46.3M | $27.6M | $8.2M | $905K | 3.28% | 4.75% | 0.58% | 8,429 |
| Q1 2025 | $56.9M | $48.5M | $28.4M | $7.7M | $474K | 3.33% | 4.62% | 0.38% | 8,481 |
| Q4 2024 | $55.3M | $47.7M | $29.2M | $7.3M | $1.2M | 2.12% | 3.92% | 0.58% | 8,455 |
| Q3 2024 | $56.4M | $48.5M | $30.1M | $7.3M | $1.2M | 2.91% | 4.48% | 0.24% | 8,451 |
| Q2 2024 | $57.5M | $49.9M | $30.5M | $7.0M | $857K | 2.98% | 4.34% | 0.63% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.21% | 0.60% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 4.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,599 |
Loan mix (Q1 2026): real estate $2.9M · commercial $0 · consumer $20.3M · securities $23.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.8% | 81.5% | 7th |
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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