| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.8% | +1.3% | -9.1 pts |
| Share growth (YoY) | -9.0% | +0.7% | -9.6 pts |
| Loan growth (YoY) | +1.8% | -2.4% | +4.1 pts |
| ROA | -1.96% | 0.60% | -2.6 pts |
| ROE | -17.5% | 4.1% | -21.6 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $44.1M | $39.1M | $36.2M | $5.0M | $-216K | -1.96% | 5.33% | 1.72% | 3,803 |
| Q4 2025 | $43.7M | $38.5M | $36.6M | $5.2M | $303K | 0.69% | 5.72% | 3.72% | 3,209 |
| Q3 2025 | $45.1M | $39.8M | $36.6M | $5.3M | $270K | 0.80% | 5.62% | 3.34% | 3,219 |
| Q2 2025 | $45.5M | $40.6M | $36.1M | $5.2M | $184K | 0.81% | 5.57% | 4.23% | 3,257 |
| Q1 2025 | $47.9M | $42.9M | $35.6M | $5.1M | $113K | 0.95% | 5.39% | 4.09% | 3,271 |
| Q4 2024 | $47.0M | $42.2M | $36.2M | $5.0M | $414K | 0.88% | 5.30% | 5.20% | 3,304 |
| Q3 2024 | $46.8M | $42.0M | $37.4M | $5.2M | $425K | 1.21% | 5.30% | 4.69% | 3,326 |
| Q2 2024 | $47.6M | $42.4M | $37.3M | $5.2M | $302K | 1.27% | 5.14% | 6.41% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.96% | 0.60% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -17.5% | 4.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.33% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,347 |
Loan mix (Q1 2026): real estate $20.7M · commercial $849K · consumer $13.7M · securities $3.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.9% | 81.5% | 71th |
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.