| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.0% | +1.3% | -8.3 pts |
| Share growth (YoY) | -8.4% | +0.7% | -9.1 pts |
| Loan growth (YoY) | -10.1% | -2.4% | -7.7 pts |
| ROA | -0.62% | 0.60% | -1.2 pts |
| ROE | -4.4% | 4.1% | -8.5 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $58.6M | $49.3M | $23.1M | $8.2M | $-90K | -0.62% | 4.31% | 2.50% | 4,552 |
| Q4 2025 | $59.6M | $50.4M | $23.2M | $8.3M | $8K | 0.01% | 4.42% | 3.42% | 4,594 |
| Q3 2025 | $59.0M | $50.0M | $24.5M | $8.3M | $-6K | -0.01% | 4.47% | 2.87% | 4,807 |
| Q2 2025 | $61.5M | $52.1M | $25.1M | $8.3M | $24K | 0.08% | 4.21% | 4.37% | 4,848 |
| Q1 2025 | $63.0M | $53.9M | $25.7M | $8.3M | $-3K | -0.02% | 4.10% | 4.29% | 4,851 |
| Q4 2024 | $62.0M | $52.3M | $23.8M | $8.6M | $-162K | -0.26% | 3.99% | 4.85% | 4,882 |
| Q3 2024 | $60.8M | $51.2M | $26.0M | $8.8M | $-11K | -0.03% | 4.05% | 5.38% | 5,222 |
| Q2 2024 | $60.2M | $50.6M | $26.4M | $8.9M | $12K | 0.04% | 4.08% | 5.30% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.62% | 0.60% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -4.4% | 4.1% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,292 |
Loan mix (Q1 2026): real estate $7.3M · commercial $0 · consumer $15.1M · securities $28.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.4% | 81.5% | 45th |
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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