| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.2% | +1.3% | -9.5 pts |
| Share growth (YoY) | -9.0% | +0.7% | -9.6 pts |
| Loan growth (YoY) | -27.8% | -2.4% | -25.4 pts |
| ROA | -0.84% | 0.60% | -1.4 pts |
| ROE | -6.7% | 4.1% | -10.8 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.6M | $10.1M | $1.6M | $1.5M | $-24K | -0.84% | 3.32% | 0.77% | 1,457 |
| Q4 2025 | $11.8M | $10.3M | $1.8M | $1.5M | $-7K | -0.06% | 3.97% | 1.34% | 1,454 |
| Q3 2025 | $12.1M | $10.6M | $2.0M | $1.5M | $15K | 0.17% | 3.96% | 0.64% | 1,503 |
| Q2 2025 | $12.4M | $10.8M | $2.1M | $1.5M | $5K | 0.09% | 3.81% | 0.84% | 1,530 |
| Q1 2025 | $12.6M | $11.1M | $2.2M | $1.5M | $7K | 0.23% | 3.78% | 1.08% | 1,567 |
| Q4 2024 | $12.5M | $10.9M | $2.2M | $1.5M | $32K | 0.25% | 3.91% | 2.11% | 1,570 |
| Q3 2024 | $13.1M | $11.5M | $2.4M | $1.5M | $27K | 0.28% | 3.71% | 2.01% | 1,593 |
| Q2 2024 | $12.9M | $11.2M | $2.4M | $1.5M | $18K | 0.27% | 3.64% | 1.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.84% | 0.60% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -6.7% | 4.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,605 |
Loan mix (Q1 2026): real estate $82K · commercial $0 · consumer $1.3M · securities $6.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 122.0% | 81.5% | 95th |
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.