| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +1.3% | -0.6 pts |
| Share growth (YoY) | +0.8% | +0.7% | +0.2 pts |
| Loan growth (YoY) | -10.9% | -2.4% | -8.5 pts |
| ROA | -1.00% | 0.60% | -1.6 pts |
| ROE | -8.4% | 4.1% | -12.5 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.3M | $11.7M | $5.9M | $1.6M | $-33K | -1.00% | 5.06% | 4.36% | 1,740 |
| Q4 2025 | $13.2M | $11.5M | $6.2M | $1.6M | $374K | 2.84% | 5.06% | 5.85% | 1,838 |
| Q3 2025 | $13.2M | $11.5M | $6.2M | $1.7M | $438K | 4.42% | 4.88% | 5.90% | 1,824 |
| Q2 2025 | $13.2M | $11.6M | $6.5M | $1.6M | $327K | 4.96% | 4.88% | 7.02% | 1,797 |
| Q1 2025 | $13.2M | $11.6M | $6.6M | $1.6M | $341K | 10.36% | 5.22% | 5.16% | 1,792 |
| Q4 2024 | $12.4M | $11.1M | $7.1M | $1.3M | $105K | 0.85% | 5.97% | 6.98% | 1,794 |
| Q3 2024 | $12.7M | $11.3M | $7.2M | $1.4M | $121K | 1.28% | 5.99% | 6.35% | 1,782 |
| Q2 2024 | $13.1M | $11.7M | $7.4M | $1.4M | $183K | 2.80% | 5.81% | 5.09% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.00% | 0.60% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -8.4% | 4.1% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.06% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,776 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.8M · securities $4.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 113.1% | 81.5% | 92th |
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.