| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +1.3% | +2.3 pts |
| Share growth (YoY) | +5.3% | +0.7% | +4.7 pts |
| Loan growth (YoY) | -46.8% | -2.4% | -44.5 pts |
| ROA | -0.44% | 0.60% | -1.0 pts |
| ROE | -2.3% | 4.1% | -6.4 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 | $3.5M | $2.8M | $1.0M | $670K | $-4K | -0.44% | 19.59% | 12.77% | 407 |
| Q4 2025 | $3.4M | $2.8M | $1.4M | $673K | $-814 | -0.02% | 4.16% | 12.75% | 411 |
| Q3 2025 | $3.4M | $2.7M | $1.5M | $672K | $-1K | -0.05% | 4.36% | 10.37% | 423 |
| Q2 2025 | $3.3M | $2.6M | $1.7M | $665K | $-8K | -0.48% | 4.63% | 9.66% | 425 |
| Q1 2025 | $3.4M | $2.7M | $2.0M | $663K | $-10K | -1.17% | 4.69% | 14.35% | 462 |
| Q4 2024 | $3.3M | $2.5M | $2.2M | $706K | $56K | 1.73% | 5.02% | 16.26% | 486 |
| Q3 2024 | $3.2M | $2.5M | $2.4M | $698K | $48K | 1.97% | 5.51% | 6.95% | 464 |
| Q2 2024 | $3.2M | $2.5M | $2.5M | $685K | $35K | 2.19% | 5.61% | 7.47% | 464 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.44% | 0.60% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -2.3% | 4.1% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 19.59% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $997K · securities $20K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.5% | 81.5% | 55th |
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.