| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +1.3% | -2.0 pts |
| Share growth (YoY) | -1.4% | +0.7% | -2.1 pts |
| Loan growth (YoY) | +2.5% | -2.4% | +4.9 pts |
| ROA | 0.53% | 0.60% | -0.1 pts |
| ROE | 4.4% | 4.1% | +0.3 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $54.9M | $48.3M | $13.6M | $6.5M | $72K | 0.53% | 3.22% | 0.70% | 1,950 |
| Q4 2025 | $54.1M | $47.5M | $13.8M | $6.4M | $298K | 0.55% | 2.95% | 0.94% | 1,967 |
| Q3 2025 | $54.2M | $47.8M | $12.8M | $6.3M | $190K | 0.47% | 2.83% | 1.24% | 2,009 |
| Q2 2025 | $55.1M | $48.7M | $13.3M | $6.3M | $124K | 0.45% | 2.70% | 1.21% | 2,041 |
| Q1 2025 | $55.3M | $49.0M | $13.3M | $6.2M | $78K | 0.57% | 2.58% | 0.91% | 2,086 |
| Q4 2024 | $55.2M | $48.9M | $13.4M | $6.1M | $209K | 0.38% | 2.43% | 1.34% | 2,123 |
| Q3 2024 | $54.7M | $48.6M | $13.7M | $6.0M | $171K | 0.42% | 2.43% | 0.81% | 2,165 |
| Q2 2024 | $53.8M | $47.7M | $13.7M | $6.0M | $110K | 0.41% | 2.41% | 0.89% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.60% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.1% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,213 |
Loan mix (Q1 2026): real estate $10.8M · commercial $0 · consumer $857K · securities $33.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 81.5% | 27th |
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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