| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +1.3% | -3.5 pts |
| Share growth (YoY) | -3.5% | +0.7% | -4.2 pts |
| Loan growth (YoY) | -0.3% | -2.4% | +2.0 pts |
| ROA | 0.54% | 0.60% | -0.1 pts |
| ROE | 3.8% | 4.1% | -0.3 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.1M | $11.1M | $4.8M | $1.9M | $18K | 0.54% | 3.98% | 0.00% | 1,081 |
| Q4 2025 | $13.0M | $11.0M | $4.8M | $1.9M | $174K | 1.34% | 4.41% | 0.19% | 1,085 |
| Q3 2025 | $12.6M | $10.7M | $4.8M | $1.8M | $153K | 1.62% | 4.60% | 0.00% | 1,083 |
| Q2 2025 | $13.0M | $11.1M | $4.8M | $1.8M | $102K | 1.56% | 4.51% | 0.00% | 1,085 |
| Q1 2025 | $13.4M | $11.5M | $4.8M | $1.8M | $55K | 1.66% | 4.50% | 0.07% | 1,084 |
| Q4 2024 | $13.4M | $11.6M | $4.6M | $1.7M | $255K | 1.90% | 4.63% | 0.08% | 1,090 |
| Q3 2024 | $13.0M | $11.3M | $4.7M | $1.6M | $193K | 1.99% | 4.79% | 0.27% | 1,105 |
| Q2 2024 | $13.2M | $11.6M | $4.7M | $1.5M | $113K | 1.71% | 4.73% | 0.23% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.60% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.1% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,107 |
Loan mix (Q1 2026): real estate $775K · commercial $0 · consumer $3.8M · securities $6.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.8% | 81.5% | 65th |
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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