| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.1% | +1.3% | -8.4 pts |
| Share growth (YoY) | -7.8% | +0.7% | -8.5 pts |
| Loan growth (YoY) | -14.8% | -2.4% | -12.4 pts |
| ROA | 0.28% | 0.60% | -0.3 pts |
| ROE | 2.7% | 4.1% | -1.4 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $28.6M | $25.5M | $10.2M | $3.0M | $20K | 0.28% | 4.93% | 3.07% | 5,434 |
| Q4 2025 | $27.4M | $24.3M | $10.8M | $3.0M | $44K | 0.16% | 4.61% | 4.45% | 5,510 |
| Q3 2025 | $29.4M | $26.2M | $11.2M | $3.0M | $66K | 0.30% | 4.37% | 4.19% | 5,498 |
| Q2 2025 | $30.1M | $27.0M | $11.8M | $3.1M | $102K | 0.68% | 4.30% | 3.04% | 5,907 |
| Q1 2025 | $30.8M | $27.7M | $12.0M | $3.1M | $99K | 1.28% | 4.30% | 1.84% | 5,348 |
| Q4 2024 | $29.7M | $26.7M | $12.6M | $3.0M | $87K | 0.29% | 3.91% | 3.74% | 5,261 |
| Q3 2024 | $30.0M | $26.9M | $12.8M | $3.0M | $-11K | -0.05% | 3.69% | 1.38% | 5,233 |
| Q2 2024 | $29.9M | $26.8M | $13.0M | $2.9M | $11K | 0.07% | 3.67% | 0.92% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.60% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.93% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,318 |
Loan mix (Q1 2026): real estate $9K · commercial $0 · consumer $9.9M · securities $16.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.5% | 81.5% | 64th |
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.