| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +1.3% | -3.3 pts |
| Share growth (YoY) | -3.4% | +0.7% | -4.0 pts |
| Loan growth (YoY) | +2.6% | -2.4% | +5.0 pts |
| ROA | 0.40% | 0.60% | -0.2 pts |
| ROE | 3.2% | 4.1% | -0.9 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $15.2M | $13.2M | $9.9M | $1.9M | $15K | 0.40% | 4.23% | 0.17% | 1,233 |
| Q4 2025 | $14.8M | $12.8M | $9.5M | $1.9M | $178K | 1.21% | 4.50% | 0.22% | 1,241 |
| Q3 2025 | $15.3M | $13.4M | $9.8M | $1.9M | $135K | 1.17% | 4.35% | 0.41% | 1,251 |
| Q2 2025 | $15.3M | $13.4M | $9.7M | $1.8M | $63K | 0.82% | 4.11% | 0.00% | 1,259 |
| Q1 2025 | $15.5M | $13.7M | $9.6M | $1.8M | $48K | 1.23% | 3.96% | 0.30% | 1,257 |
| Q4 2024 | $15.2M | $13.5M | $9.8M | $1.7M | $191K | 1.25% | 4.09% | 0.07% | 1,282 |
| Q3 2024 | $15.5M | $13.8M | $9.5M | $1.7M | $141K | 1.21% | 3.94% | 0.27% | 1,282 |
| Q2 2024 | $15.5M | $13.9M | $9.9M | $1.6M | $76K | 0.98% | 3.76% | 0.18% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.60% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,287 |
Loan mix (Q1 2026): real estate $4.9M · commercial $0 · consumer $3.9M · securities $1.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.4% | 81.5% | 59th |
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.