| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +1.3% | +3.8 pts |
| Share growth (YoY) | +5.8% | +0.7% | +5.1 pts |
| Loan growth (YoY) | -4.7% | -2.4% | -2.4 pts |
| ROA | 0.34% | 0.60% | -0.3 pts |
| ROE | 2.1% | 4.1% | -2.0 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $23.7M | $19.7M | $16.6M | $3.8M | $20K | 0.34% | 1.99% | 0.41% | 1,677 |
| Q4 2025 | $23.0M | $19.0M | $16.5M | $3.8M | $99K | 0.43% | 2.08% | 0.26% | 1,672 |
| Q3 2025 | $22.6M | $18.5M | $17.0M | $3.8M | $71K | 0.42% | 2.11% | 0.16% | 1,693 |
| Q2 2025 | $23.2M | $19.2M | $17.2M | $3.8M | $45K | 0.39% | 2.33% | 0.15% | 1,696 |
| Q1 2025 | $22.6M | $18.6M | $17.4M | $3.7M | $17K | 0.30% | 2.02% | 0.31% | 1,739 |
| Q4 2024 | $22.4M | $18.5M | $17.4M | $3.7M | $178K | 0.79% | 2.22% | 0.86% | 1,738 |
| Q3 2024 | $22.7M | $18.7M | $17.8M | $3.7M | $191K | 1.13% | 2.24% | 0.81% | 1,748 |
| Q2 2024 | $23.0M | $19.1M | $17.9M | $3.6M | $78K | 0.68% | 2.24% | 0.70% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.60% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.99% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,797 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $15.8M · securities $5.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.8% | 81.5% | 50th |
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.