| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.0% | +1.3% | -8.3 pts |
| Share growth (YoY) | -9.1% | +0.7% | -9.7 pts |
| Loan growth (YoY) | -4.3% | -2.4% | -1.9 pts |
| ROA | 0.20% | 0.60% | -0.4 pts |
| ROE | 0.9% | 4.1% | -3.2 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.2M | $10.2M | $4.6M | $2.8M | $7K | 0.20% | 3.67% | 0.41% | 1,521 |
| Q4 2025 | $13.3M | $10.4M | $4.8M | $2.8M | $17K | 0.13% | 3.99% | 0.40% | 1,536 |
| Q3 2025 | $13.5M | $10.6M | $4.6M | $2.9M | $70K | 0.69% | 3.94% | 0.70% | 1,555 |
| Q2 2025 | $13.8M | $10.8M | $4.7M | $2.9M | $46K | 0.66% | 3.94% | 0.90% | 1,985 |
| Q1 2025 | $14.2M | $11.3M | $4.8M | $2.8M | $30K | 0.84% | 3.86% | 0.70% | 2,009 |
| Q4 2024 | $13.9M | $11.0M | $5.0M | $2.8M | $71K | 0.51% | 3.75% | 0.48% | 1,624 |
| Q3 2024 | $14.5M | $11.6M | $5.1M | $2.9M | $112K | 1.03% | 3.53% | 0.57% | 1,643 |
| Q2 2024 | $14.1M | $11.2M | $5.0M | $2.8M | $63K | 0.89% | 3.50% | 0.61% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 0.60% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 4.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,686 |
Loan mix (Q1 2026): real estate $1.8M · commercial $0 · consumer $2.8M · securities $7.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.5% | 81.5% | 74th |
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.