| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +1.3% | +1.2 pts |
| Share growth (YoY) | +4.0% | +0.7% | +3.3 pts |
| Loan growth (YoY) | +11.2% | -2.4% | +13.5 pts |
| ROA | -0.13% | 0.60% | -0.7 pts |
| ROE | -1.0% | 4.1% | -5.1 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $19.6M | $16.9M | $7.9M | $2.5M | $-6K | -0.13% | 2.98% | 0.03% | 1,833 |
| Q4 2025 | $19.1M | $16.5M | $7.4M | $2.5M | $30K | 0.16% | 3.18% | 0.00% | 1,838 |
| Q3 2025 | $19.2M | $16.4M | $7.5M | $2.5M | $19K | 0.13% | 3.15% | 0.00% | 1,864 |
| Q2 2025 | $18.7M | $15.9M | $7.0M | $2.5M | $9K | 0.10% | 3.21% | 0.00% | 1,846 |
| Q1 2025 | $19.2M | $16.2M | $7.1M | $2.5M | $8K | 0.17% | 3.16% | 0.80% | 1,849 |
| Q4 2024 | $18.6M | $15.8M | $7.6M | $2.5M | $25K | 0.14% | 3.07% | 0.00% | 1,857 |
| Q3 2024 | $18.7M | $16.0M | $7.5M | $2.5M | $12K | 0.09% | 2.99% | 0.65% | 1,846 |
| Q2 2024 | $19.2M | $16.6M | $7.9M | $2.5M | $5K | 0.05% | 2.75% | 0.00% | 1,842 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.13% | 0.60% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -1.0% | 4.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $768K · commercial $0 · consumer $5.8M · securities $9.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.3% | 81.5% | 86th |
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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