| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +1.3% | -3.0 pts |
| Share growth (YoY) | -4.3% | +0.7% | -5.0 pts |
| Loan growth (YoY) | -4.5% | -2.4% | -2.1 pts |
| ROA | 1.10% | 0.60% | +0.5 pts |
| ROE | 4.3% | 4.1% | +0.2 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.5M | $8.5M | $4.8M | $2.9M | $32K | 1.10% | 3.89% | 0.00% | 1,466 |
| Q4 2025 | $11.1M | $8.2M | $4.9M | $2.9M | $155K | 1.40% | 4.12% | 0.00% | 1,462 |
| Q3 2025 | $11.2M | $8.3M | $5.0M | $2.9M | $112K | 1.33% | 4.08% | 0.00% | 1,473 |
| Q2 2025 | $11.6M | $8.8M | $5.0M | $2.8M | $84K | 1.45% | 3.91% | 0.04% | 1,482 |
| Q1 2025 | $11.7M | $8.8M | $5.1M | $2.8M | $30K | 1.02% | 3.82% | 0.23% | 1,490 |
| Q4 2024 | $11.4M | $8.6M | $5.3M | $2.7M | $125K | 1.09% | 3.67% | 0.12% | 1,500 |
| Q3 2024 | $11.2M | $8.4M | $5.5M | $2.7M | $74K | 0.89% | 3.64% | 0.15% | 1,498 |
| Q2 2024 | $11.5M | $8.7M | $5.4M | $2.7M | $43K | 0.75% | 3.35% | 0.00% | 1,506 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.60% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 4.1% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.1M · securities $5.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.1% | 81.5% | 39th |
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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