| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +1.3% | +7.0 pts |
| Share growth (YoY) | +9.7% | +0.7% | +9.0 pts |
| Loan growth (YoY) | -4.3% | -2.4% | -2.0 pts |
| ROA | 0.38% | 0.60% | -0.2 pts |
| ROE | 2.1% | 4.1% | -2.0 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $17.0M | $13.8M | $9.6M | $3.1M | $16K | 0.38% | 3.21% | 0.07% | 1,138 |
| Q4 2025 | $16.8M | $13.7M | $9.7M | $3.1M | $92K | 0.55% | 3.33% | 0.12% | 1,162 |
| Q3 2025 | $15.4M | $12.3M | $10.1M | $3.1M | $68K | 0.59% | 3.60% | 0.12% | 1,159 |
| Q2 2025 | $15.9M | $12.8M | $10.3M | $3.1M | $84K | 1.05% | 3.65% | 0.36% | 1,163 |
| Q1 2025 | $15.7M | $12.6M | $10.0M | $3.0M | $21K | 0.53% | 3.67% | 0.13% | 1,162 |
| Q4 2024 | $15.8M | $12.7M | $10.1M | $3.0M | $39K | 0.25% | 3.46% | 0.14% | 1,199 |
| Q3 2024 | $15.7M | $12.7M | $10.0M | $3.0M | $15K | 0.13% | 3.41% | 0.15% | 1,198 |
| Q2 2024 | $16.1M | $13.1M | $10.5M | $2.9M | $-30K | -0.37% | 3.21% | 0.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.60% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,206 |
Loan mix (Q1 2026): real estate $2.5M · commercial $0 · consumer $5.1M · securities $4.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.7% | 81.5% | 50th |
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.