| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +1.3% | +0.1 pts |
| Share growth (YoY) | +0.5% | +0.7% | -0.1 pts |
| Loan growth (YoY) | -4.0% | -2.4% | -1.6 pts |
| ROA | 0.48% | 0.60% | -0.1 pts |
| ROE | 4.1% | 4.1% | -0.0 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $35.5M | $31.2M | $5.7M | $4.2M | $42K | 0.48% | 2.21% | 1.34% | 1,818 |
| Q4 2025 | $34.9M | $30.6M | $6.2M | $4.1M | $365K | 1.05% | 2.64% | 1.03% | 1,825 |
| Q3 2025 | $34.5M | $30.3M | $6.2M | $4.1M | $313K | 1.21% | 2.83% | 3.01% | 1,830 |
| Q2 2025 | $35.2M | $31.0M | $6.2M | $4.0M | $212K | 1.20% | 2.80% | 1.53% | 1,835 |
| Q1 2025 | $35.0M | $31.0M | $6.0M | $3.9M | $81K | 0.92% | 2.75% | 1.08% | 1,841 |
| Q4 2024 | $32.8M | $29.0M | $6.0M | $3.8M | $346K | 1.05% | 2.68% | 1.24% | 1,847 |
| Q3 2024 | $32.7M | $28.9M | $6.1M | $3.7M | $276K | 1.13% | 2.66% | 0.87% | 1,848 |
| Q2 2024 | $32.7M | $28.9M | $5.9M | $3.6M | $175K | 1.07% | 2.58% | 0.50% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.60% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,854 |
Loan mix (Q1 2026): real estate $1.9M · commercial $0 · consumer $3.6M · securities $27.0M
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.