| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.9% | +1.3% | -10.2 pts |
| Share growth (YoY) | -9.1% | +0.7% | -9.7 pts |
| Loan growth (YoY) | -1.5% | -2.4% | +0.9 pts |
| ROA | -0.05% | 0.60% | -0.7 pts |
| ROE | -0.5% | 4.1% | -4.6 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $29.5M | $26.3M | $20.4M | $3.1M | $-4K | -0.05% | 3.45% | 1.57% | 2,975 |
| Q4 2025 | $29.9M | $26.5M | $20.6M | $3.1M | $-286K | -0.96% | 3.34% | 1.97% | 2,981 |
| Q3 2025 | $31.3M | $28.0M | $20.7M | $3.2M | $-219K | -0.93% | 3.15% | 1.72% | 3,169 |
| Q2 2025 | $32.1M | $28.7M | $21.2M | $3.3M | $-134K | -0.83% | 3.06% | 2.24% | 3,320 |
| Q1 2025 | $32.4M | $28.9M | $20.7M | $3.4M | $-45K | -0.56% | 3.00% | 2.34% | 3,314 |
| Q4 2024 | $31.7M | $28.1M | $20.9M | $3.4M | $-498K | -1.57% | 3.28% | 2.91% | 3,284 |
| Q3 2024 | $32.7M | $29.0M | $21.9M | $3.6M | $-326K | -1.33% | 3.22% | 3.15% | 3,288 |
| Q2 2024 | $34.0M | $30.1M | $22.7M | $3.6M | $-281K | -1.65% | 2.96% | 2.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.05% | 0.60% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | -0.5% | 4.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,279 |
Loan mix (Q1 2026): real estate $3.6M · commercial $0 · consumer $15.8M · securities $4.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.3% | 81.5% | 85th |
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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