| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +1.3% | -3.5 pts |
| Share growth (YoY) | -4.6% | +0.7% | -5.3 pts |
| Loan growth (YoY) | -15.2% | -2.4% | -12.8 pts |
| ROA | -5.41% | 0.60% | -6.0 pts |
| ROE | -42.9% | 4.1% | -47.0 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $22.0M | $18.8M | $14.4M | $2.8M | $-298K | -5.41% | 5.68% | 0.50% | 2,488 |
| Q4 2025 | $21.4M | $18.3M | $15.2M | $3.1M | $378K | 1.77% | 6.11% | 0.41% | 2,500 |
| Q3 2025 | $21.6M | $18.6M | $15.6M | $3.0M | $299K | 1.84% | 6.05% | 0.93% | 2,511 |
| Q2 2025 | $22.1M | $19.1M | $16.3M | $3.0M | $240K | 2.17% | 5.93% | 0.49% | 2,520 |
| Q1 2025 | $22.5M | $19.7M | $17.0M | $2.8M | $107K | 1.91% | 5.77% | 0.26% | 2,532 |
| Q4 2024 | $21.3M | $18.6M | $17.9M | $2.7M | $-43K | -0.20% | 5.77% | 0.28% | 2,522 |
| Q3 2024 | $23.1M | $20.5M | $18.6M | $2.6M | $-188K | -1.09% | 5.19% | 0.39% | 2,539 |
| Q2 2024 | $24.6M | $22.1M | $19.4M | $2.5M | $-246K | -2.00% | 4.82% | 0.61% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -5.41% | 0.60% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -42.9% | 4.1% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.68% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,543 |
Loan mix (Q1 2026): real estate $101K · commercial $0 · consumer $12.2M · securities $97K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 137.3% | 81.5% | 97th |
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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