| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +1.3% | -3.8 pts |
| Share growth (YoY) | -3.0% | +0.7% | -3.7 pts |
| Loan growth (YoY) | -7.7% | -2.4% | -5.3 pts |
| ROA | -0.97% | 0.60% | -1.6 pts |
| ROE | -6.4% | 4.1% | -10.5 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $66.7M | $56.0M | $17.2M | $10.1M | $-161K | -0.97% | 3.65% | 1.45% | 6,115 |
| Q4 2025 | $67.7M | $56.4M | $17.9M | $10.2M | $602K | 0.89% | 3.90% | 1.40% | 6,093 |
| Q3 2025 | $66.2M | $55.3M | $18.1M | $10.1M | $497K | 1.00% | 3.95% | 1.18% | 6,170 |
| Q2 2025 | $68.3M | $57.4M | $18.4M | $10.1M | $458K | 1.34% | 3.88% | 0.79% | 6,277 |
| Q1 2025 | $68.4M | $57.7M | $18.7M | $9.9M | $289K | 1.69% | 3.88% | 1.79% | 6,326 |
| Q4 2024 | $68.4M | $57.7M | $19.2M | $9.6M | $680K | 0.99% | 4.31% | 2.23% | 6,347 |
| Q3 2024 | $65.4M | $55.2M | $20.4M | $9.5M | $513K | 1.05% | 4.57% | 1.82% | 6,442 |
| Q2 2024 | $68.3M | $57.7M | $20.4M | $9.2M | $274K | 0.80% | 4.37% | 1.86% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.97% | 0.60% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -6.4% | 4.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,551 |
Loan mix (Q1 2026): real estate $6.0M · commercial $0 · consumer $9.7M · securities $35.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.7% | 81.5% | 90th |
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.