| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.4 pts |
| Share growth (YoY) | -2.2% | +0.7% | -2.9 pts |
| Loan growth (YoY) | -1.8% | -2.4% | +0.5 pts |
| ROA | 0.92% | 0.60% | +0.3 pts |
| ROE | 6.2% | 4.1% | +2.1 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $92.8M | $79.4M | $34.0M | $13.8M | $213K | 0.92% | 3.85% | 1.37% | 6,459 |
| Q4 2025 | $91.9M | $78.8M | $34.8M | $13.5M | $784K | 0.85% | 3.85% | 1.19% | 6,455 |
| Q3 2025 | $92.5M | $79.4M | $35.2M | $13.4M | $620K | 0.89% | 3.79% | 0.67% | 6,451 |
| Q2 2025 | $93.1M | $80.2M | $34.8M | $13.2M | $401K | 0.86% | 3.70% | 1.38% | 6,469 |
| Q1 2025 | $93.8M | $81.2M | $34.7M | $12.9M | $191K | 0.82% | 3.61% | 0.45% | 6,495 |
| Q4 2024 | $93.2M | $80.8M | $34.9M | $12.8M | $144K | 0.15% | 3.39% | 0.34% | 6,543 |
| Q3 2024 | $93.9M | $81.7M | $35.1M | $13.0M | $398K | 0.57% | 3.28% | 0.21% | 6,554 |
| Q2 2024 | $97.9M | $85.8M | $35.1M | $12.9M | $228K | 0.47% | 3.05% | 0.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.60% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 4.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,589 |
Loan mix (Q1 2026): real estate $8.0M · commercial $0 · consumer $22.3M · securities $49.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.5% | 81.5% | 36th |
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.