| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.4% | +1.3% | -7.7 pts |
| Share growth (YoY) | -7.0% | +0.7% | -7.7 pts |
| Loan growth (YoY) | -9.8% | -2.4% | -7.4 pts |
| ROA | 0.06% | 0.60% | -0.5 pts |
| ROE | 0.6% | 4.1% | -3.5 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $44.7M | $40.2M | $25.0M | $4.3M | $6K | 0.06% | 2.71% | 1.04% | 3,631 |
| Q4 2025 | $43.8M | $39.3M | $26.2M | $4.3M | $993 | 0.00% | 2.64% | 3.25% | 3,655 |
| Q3 2025 | $42.3M | $37.8M | $26.6M | $4.3M | $-14K | -0.04% | 2.72% | 3.36% | 3,707 |
| Q2 2025 | $43.1M | $38.7M | $27.6M | $4.3M | $-37K | -0.17% | 2.53% | 3.17% | 3,747 |
| Q1 2025 | $47.7M | $43.2M | $27.7M | $4.3M | $9K | 0.07% | 2.05% | 2.58% | 3,768 |
| Q4 2024 | $46.6M | $42.1M | $26.9M | $4.3M | $-105K | -0.23% | 2.31% | 3.71% | 3,770 |
| Q3 2024 | $46.5M | $41.9M | $27.5M | $4.3M | $-97K | -0.28% | 2.38% | 1.85% | 3,791 |
| Q2 2024 | $46.4M | $41.8M | $28.2M | $4.4M | $-57K | -0.24% | 2.39% | 2.72% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.06% | 0.60% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 4.1% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.71% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,818 |
Loan mix (Q1 2026): real estate $7.1M · commercial $0 · consumer $13.4M · securities $8.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.5% | 81.5% | 79th |
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.