| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.5 pts |
| Share growth (YoY) | -0.8% | +0.7% | -1.5 pts |
| Loan growth (YoY) | +20.3% | -2.4% | +22.6 pts |
| ROA | 0.07% | 0.60% | -0.5 pts |
| ROE | 0.9% | 4.1% | -3.2 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.9M | $17.4M | $9.2M | $1.5M | $3K | 0.07% | 3.81% | 0.23% | 1,276 |
| Q4 2025 | $18.0M | $16.6M | $8.9M | $1.5M | $4K | 0.02% | 3.73% | 0.38% | 1,261 |
| Q3 2025 | $17.7M | $16.2M | $8.3M | $1.5M | $-9K | -0.07% | 3.67% | 0.25% | 2,308 |
| Q2 2025 | $18.0M | $16.5M | $7.9M | $1.6M | $9K | 0.10% | 3.62% | 0.32% | 1,227 |
| Q1 2025 | $18.9M | $17.6M | $7.7M | $1.6M | $7K | 0.14% | 3.39% | 0.27% | 1,211 |
| Q4 2024 | $19.5M | $18.1M | $7.8M | $1.5M | $-230K | -1.18% | 2.70% | 0.35% | 1,216 |
| Q3 2024 | $20.5M | $19.2M | $7.9M | $1.5M | $-231K | -1.50% | 2.40% | 0.45% | 1,204 |
| Q2 2024 | $20.3M | $19.0M | $8.1M | $1.6M | $-135K | -1.32% | 2.29% | 0.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 0.60% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 4.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,208 |
Loan mix (Q1 2026): real estate $4.4M · commercial $870K · consumer $3.9M · securities $6.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.4% | 81.5% | 83th |
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.