| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.8% | +1.3% | -5.1 pts |
| Share growth (YoY) | -7.0% | +0.7% | -7.6 pts |
| Loan growth (YoY) | -14.3% | -2.4% | -11.9 pts |
| ROA | 2.08% | 0.60% | +1.5 pts |
| ROE | 7.7% | 4.1% | +3.6 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.3M | $3.1M | $2.3M | $1.1M | $22K | 2.08% | 3.71% | 0.63% | 683 |
| Q4 2025 | $4.4M | $3.2M | $2.5M | $1.1M | $67K | 1.53% | 3.98% | 0.62% | 690 |
| Q3 2025 | $4.4M | $3.2M | $2.6M | $1.1M | $61K | 1.86% | 4.10% | 1.14% | 705 |
| Q2 2025 | $4.3M | $3.2M | $2.7M | $1.1M | $43K | 1.97% | 4.10% | 1.06% | 710 |
| Q1 2025 | $4.4M | $3.4M | $2.7M | $1.1M | $28K | 2.48% | 4.14% | 0.50% | 716 |
| Q4 2024 | $4.5M | $3.4M | $2.7M | $1.1M | $96K | 2.11% | 4.09% | 0.52% | 716 |
| Q3 2024 | $4.9M | $3.8M | $2.6M | $1.1M | $108K | 2.93% | 4.57% | 0.02% | 718 |
| Q2 2024 | $5.1M | $4.0M | $2.4M | $1.0M | $70K | 2.76% | 4.39% | 0.02% | 722 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.08% | 0.60% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 4.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.9M · securities $494K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.1% | 81.5% | 3th |
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% |
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