| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +1.3% | +0.5 pts |
| Share growth (YoY) | +1.1% | +0.7% | +0.5 pts |
| Loan growth (YoY) | -13.4% | -2.4% | -11.0 pts |
| ROA | 0.58% | 0.60% | -0.0 pts |
| ROE | 6.5% | 4.1% | +2.4 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $34.1M | $30.9M | $8.1M | $3.0M | $50K | 0.58% | 3.40% | 0.05% | 2,151 |
| Q4 2025 | $33.9M | $30.7M | $8.1M | $3.0M | $232K | 0.68% | 3.45% | 0.24% | 2,300 |
| Q3 2025 | $33.5M | $30.3M | $8.7M | $2.9M | $155K | 0.62% | 3.31% | 0.23% | 2,264 |
| Q2 2025 | $33.3M | $30.1M | $8.8M | $2.9M | $112K | 0.67% | 3.22% | 0.28% | 2,266 |
| Q1 2025 | $33.5M | $30.6M | $9.4M | $2.8M | $43K | 0.52% | 3.04% | 0.04% | 2,288 |
| Q4 2024 | $32.8M | $29.8M | $10.0M | $2.8M | $29K | 0.09% | 2.92% | 0.04% | 2,284 |
| Q3 2024 | $33.9M | $31.0M | $10.7M | $2.7M | $-30K | -0.12% | 2.77% | 0.21% | 2,290 |
| Q2 2024 | $34.6M | $31.6M | $11.3M | $2.7M | $-40K | -0.23% | 2.73% | 0.23% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.60% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 4.1% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,317 |
Loan mix (Q1 2026): real estate $711K · commercial $0 · consumer $7.2M · securities $10.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.8% | 81.5% | 48th |
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.