| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | +2.1% | +0.7% | +1.5 pts |
| Loan growth (YoY) | +0.7% | -2.4% | +3.0 pts |
| ROA | -0.40% | 0.60% | -1.0 pts |
| ROE | -3.0% | 4.1% | -7.1 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $53.4M | $45.7M | $30.1M | $7.2M | $-53K | -0.40% | 2.76% | 0.49% | 2,500 |
| Q4 2025 | $51.0M | $43.4M | $28.7M | $7.2M | $36K | 0.07% | 3.07% | 0.50% | 2,502 |
| Q3 2025 | $51.5M | $43.9M | $28.6M | $7.3M | $151K | 0.39% | 3.08% | 2.09% | 2,516 |
| Q2 2025 | $51.8M | $44.1M | $28.9M | $7.3M | $117K | 0.45% | 3.05% | 2.04% | 2,528 |
| Q1 2025 | $52.4M | $44.8M | $29.9M | $7.2M | $25K | 0.19% | 2.92% | 0.20% | 2,535 |
| Q4 2024 | $51.1M | $43.3M | $30.7M | $7.2M | $49K | 0.10% | 2.94% | 0.58% | 2,573 |
| Q3 2024 | $52.4M | $44.8M | $31.6M | $7.2M | $33K | 0.08% | 2.84% | 0.66% | 2,682 |
| Q2 2024 | $53.1M | $45.3M | $32.7M | $7.3M | $172K | 0.65% | 2.70% | 0.43% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.40% | 0.60% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -3.0% | 4.1% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,604 |
Loan mix (Q1 2026): real estate $20.6M · commercial $0 · consumer $8.6M · securities $14.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 113.8% | 81.5% | 93th |
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.