| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +1.3% | +0.0 pts |
| Share growth (YoY) | +0.9% | +0.7% | +0.3 pts |
| Loan growth (YoY) | -5.7% | -2.4% | -3.3 pts |
| ROA | 0.67% | 0.60% | +0.1 pts |
| ROE | 3.8% | 4.1% | -0.3 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $43.1M | $35.2M | $20.2M | $7.7M | $72K | 0.67% | 3.52% | 2.78% | 2,592 |
| Q4 2025 | $41.0M | $33.0M | $20.2M | $7.6M | $321K | 0.78% | 3.94% | 2.90% | 2,614 |
| Q3 2025 | $40.7M | $33.0M | $20.8M | $7.6M | $277K | 0.91% | 3.92% | 2.84% | 2,615 |
| Q2 2025 | $42.9M | $35.1M | $21.3M | $7.4M | $165K | 0.77% | 3.64% | 1.47% | 2,611 |
| Q1 2025 | $42.5M | $34.9M | $21.4M | $7.3M | $69K | 0.65% | 3.48% | 1.69% | 2,633 |
| Q4 2024 | $40.4M | $32.8M | $21.6M | $7.3M | $274K | 0.68% | 3.66% | 1.66% | 2,644 |
| Q3 2024 | $40.1M | $32.6M | $22.2M | $7.2M | $241K | 0.80% | 3.61% | 1.93% | 2,662 |
| Q2 2024 | $40.2M | $32.8M | $21.8M | $7.2M | $158K | 0.79% | 3.57% | 2.31% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.60% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.1% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,634 |
Loan mix (Q1 2026): real estate $8.9M · commercial $0 · consumer $10.8M · securities $19.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.0% | 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% |
The full ratio pack is part of CharterBench Pro.