| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.8% | +1.3% | -5.1 pts |
| Share growth (YoY) | -4.1% | +0.7% | -4.8 pts |
| Loan growth (YoY) | +0.6% | -2.4% | +3.0 pts |
| ROA | 0.31% | 0.60% | -0.3 pts |
| ROE | 2.3% | 4.1% | -1.8 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $28.5M | $24.5M | $15.9M | $3.8M | $22K | 0.31% | 3.12% | 0.09% | 1,856 |
| Q4 2025 | $27.9M | $23.9M | $15.7M | $3.8M | $6K | 0.02% | 2.83% | 0.13% | 1,854 |
| Q3 2025 | $27.5M | $23.6M | $15.6M | $3.8M | $635 | 0.00% | 2.78% | 0.03% | 1,811 |
| Q2 2025 | $29.8M | $25.7M | $15.8M | $3.8M | $33 | 0.00% | 2.42% | 0.00% | 1,815 |
| Q1 2025 | $29.7M | $25.6M | $15.8M | $3.8M | $-17K | -0.22% | 2.20% | 0.28% | 1,818 |
| Q4 2024 | $29.3M | $25.1M | $16.3M | $3.8M | $-30K | -0.10% | 2.51% | 0.00% | 1,818 |
| Q3 2024 | $28.6M | $24.2M | $16.8M | $3.8M | $-18K | -0.08% | 2.50% | 0.00% | 1,811 |
| Q2 2024 | $29.0M | $24.9M | $16.7M | $3.8M | $-36K | -0.25% | 2.40% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.60% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 4.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,813 |
Loan mix (Q1 2026): real estate $10.7M · commercial $474K · consumer $2.4M · securities $10.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.5% | 81.5% | 72th |
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.