| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +1.3% | -3.0 pts |
| Share growth (YoY) | -4.2% | +0.7% | -4.8 pts |
| Loan growth (YoY) | -10.5% | -2.4% | -8.2 pts |
| ROA | 0.93% | 0.60% | +0.3 pts |
| ROE | 2.6% | 4.1% | -1.5 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.9M | $6.3M | $2.9M | $3.6M | $23K | 0.93% | 3.77% | 0.00% | 661 |
| Q4 2025 | $9.8M | $6.2M | $3.2M | $3.5M | $100K | 1.02% | 3.92% | 0.00% | 686 |
| Q3 2025 | $9.9M | $6.3M | $3.1M | $3.5M | $81K | 1.09% | 3.84% | 0.00% | 682 |
| Q2 2025 | $10.2M | $6.6M | $3.2M | $3.5M | $51K | 1.01% | 3.66% | 0.00% | 681 |
| Q1 2025 | $10.1M | $6.6M | $3.3M | $3.5M | $24K | 0.95% | 3.71% | 0.00% | 684 |
| Q4 2024 | $10.0M | $6.5M | $3.4M | $3.4M | $82K | 0.82% | 3.58% | 0.00% | 686 |
| Q3 2024 | $9.9M | $6.5M | $3.3M | $3.4M | $47K | 0.64% | 3.54% | 0.00% | 696 |
| Q2 2024 | $10.1M | $6.6M | $3.3M | $3.4M | $31K | 0.61% | 3.40% | 0.00% | 691 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.60% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 4.1% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.6M · commercial $0 · consumer $1.3M · securities $5.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 81.5% | 47th |
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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