| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +1.3% | -4.7 pts |
| Share growth (YoY) | -4.5% | +0.7% | -5.1 pts |
| Loan growth (YoY) | -5.9% | -2.4% | -3.5 pts |
| ROA | 0.65% | 0.60% | +0.0 pts |
| ROE | 6.4% | 4.1% | +2.3 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.7M | $10.5M | $7.9M | $1.2M | $19K | 0.65% | 4.58% | 0.01% | 1,611 |
| Q4 2025 | $11.6M | $10.4M | $8.2M | $1.2M | $92K | 0.79% | 4.69% | 0.00% | 1,616 |
| Q3 2025 | $11.2M | $10.1M | $8.4M | $1.2M | $75K | 0.89% | 4.83% | 0.18% | 1,617 |
| Q2 2025 | $11.3M | $10.2M | $8.3M | $1.1M | $50K | 0.87% | 4.80% | 0.19% | 1,610 |
| Q1 2025 | $12.1M | $11.0M | $8.4M | $1.1M | $33K | 1.09% | 4.54% | 0.00% | 1,624 |
| Q4 2024 | $11.8M | $10.7M | $8.5M | $1.1M | $101K | 0.85% | 4.21% | 0.00% | 1,629 |
| Q3 2024 | $11.6M | $10.5M | $8.4M | $1.0M | $75K | 0.87% | 4.27% | 0.00% | 1,623 |
| Q2 2024 | $12.0M | $10.9M | $8.6M | $1.0M | $43K | 0.71% | 4.02% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.60% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 4.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,592 |
Loan mix (Q1 2026): real estate $660K · commercial $0 · consumer $6.8M · securities $2.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.9% | 81.5% | 67th |
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.