| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +1.3% | -3.8 pts |
| Share growth (YoY) | -4.7% | +0.7% | -5.4 pts |
| Loan growth (YoY) | -15.6% | -2.4% | -13.2 pts |
| ROA | 0.56% | 0.60% | -0.0 pts |
| ROE | 1.9% | 4.1% | -2.2 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.9M | $7.0M | $3.1M | $2.9M | $14K | 0.56% | 3.62% | 0.68% | 892 |
| Q4 2025 | $9.8M | $6.9M | $3.3M | $2.9M | $94K | 0.96% | 3.94% | 0.00% | 902 |
| Q3 2025 | $9.9M | $7.1M | $3.4M | $2.8M | $74K | 1.00% | 3.94% | 0.00% | 902 |
| Q2 2025 | $10.1M | $7.3M | $3.6M | $2.8M | $53K | 1.04% | 3.85% | 0.30% | 915 |
| Q1 2025 | $10.2M | $7.4M | $3.7M | $2.8M | $25K | 0.97% | 3.77% | 0.14% | 920 |
| Q4 2024 | $10.0M | $7.3M | $3.8M | $2.8M | $96K | 0.96% | 3.92% | 0.00% | 924 |
| Q3 2024 | $10.0M | $7.2M | $4.0M | $2.7M | $69K | 0.93% | 3.91% | 0.00% | 921 |
| Q2 2024 | $9.9M | $7.2M | $4.0M | $2.7M | $29K | 0.58% | 3.82% | 0.00% | 919 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.60% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 4.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.1M · commercial $0 · consumer $1.9M · securities $6.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.3% | 81.5% | 59th |
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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