| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +3.9% | -2.5 pts |
| Share growth (YoY) | +1.8% | +3.3% | -1.5 pts |
| Loan growth (YoY) | -1.1% | +2.9% | -4.1 pts |
| ROA | 0.06% | 0.69% | -0.6 pts |
| ROE | 0.5% | 5.9% | -5.5 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $151.2M | $121.8M | $103.9M | $17.6M | $22K | 0.06% | 3.62% | 0.32% | 7,789 |
| Q4 2025 | $146.9M | $117.2M | $106.0M | $17.6M | $464K | 0.32% | 3.63% | 0.26% | 7,821 |
| Q3 2025 | $146.0M | $116.5M | $106.6M | $17.5M | $364K | 0.33% | 3.60% | 0.26% | 7,877 |
| Q2 2025 | $146.0M | $116.6M | $106.0M | $17.5M | $335K | 0.46% | 3.52% | 0.27% | 7,929 |
| Q1 2025 | $149.1M | $119.6M | $105.1M | $17.3M | $151K | 0.41% | 3.35% | 0.15% | 7,929 |
| Q4 2024 | $151.5M | $114.4M | $104.6M | $17.1M | $488K | 0.32% | 3.11% | 0.16% | 7,926 |
| Q3 2024 | $151.3M | $114.4M | $105.1M | $17.3M | $659K | 0.58% | 3.11% | 0.25% | 7,870 |
| Q2 2024 | $153.1M | $115.4M | $105.5M | $17.5M | $907K | 1.18% | 3.08% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.06% | 0.69% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 5.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.23% |
| 7,874 |
Loan mix (Q1 2026): real estate $62.7M · commercial $8.9M · consumer $30.2M · securities $17.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.0% | 78.7% | 87th |
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.