| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +1.3% | -2.5 pts |
| Share growth (YoY) | -3.5% | +0.7% | -4.2 pts |
| Loan growth (YoY) | -13.0% | -2.4% | -10.6 pts |
| ROA | -0.67% | 0.60% | -1.3 pts |
| ROE | -2.1% | 4.1% | -6.2 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $15.7M | $10.6M | $7.2M | $5.1M | $-26K | -0.67% | 4.87% | 0.11% | 1,481 |
| Q4 2025 | $15.7M | $10.6M | $7.5M | $5.1M | $273K | 1.73% | 4.99% | 0.13% | 1,491 |
| Q3 2025 | $15.7M | $10.6M | $7.6M | $5.1M | $236K | 2.01% | 4.98% | 0.72% | 1,510 |
| Q2 2025 | $15.9M | $11.0M | $7.9M | $4.8M | $-36K | -0.45% | 4.84% | 0.32% | 1,518 |
| Q1 2025 | $15.9M | $11.0M | $8.3M | $4.9M | $70K | 1.76% | 4.81% | 0.08% | 1,531 |
| Q4 2024 | $15.8M | $10.9M | $8.8M | $4.8M | $160K | 1.02% | 5.07% | 0.41% | 1,553 |
| Q3 2024 | $15.9M | $11.2M | $9.4M | $4.8M | $95K | 0.80% | 5.03% | 0.70% | 1,571 |
| Q2 2024 | $16.5M | $11.7M | $9.8M | $4.7M | $52K | 0.63% | 4.83% | 0.27% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.67% | 0.60% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -2.1% | 4.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.87% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,580 |
Loan mix (Q1 2026): real estate $335K · commercial $0 · consumer $5.6M · securities $6.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.9% | 81.5% | 26th |
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% |
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