| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +1.3% | -5.7 pts |
| Share growth (YoY) | -5.1% | +0.7% | -5.8 pts |
| Loan growth (YoY) | -11.7% | -2.4% | -9.3 pts |
| ROA | 0.23% | 0.60% | -0.4 pts |
| ROE | 2.3% | 4.1% | -1.8 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $23.8M | $21.3M | $8.3M | $2.4M | $14K | 0.23% | 4.65% | 0.94% | 2,219 |
| Q4 2025 | $24.1M | $21.5M | $8.8M | $2.4M | $80K | 0.33% | 4.49% | 1.46% | 2,257 |
| Q3 2025 | $24.0M | $21.5M | $8.6M | $2.3M | $36K | 0.20% | 4.45% | 0.93% | 2,282 |
| Q2 2025 | $24.3M | $21.9M | $9.1M | $2.3M | $21K | 0.17% | 4.25% | 0.74% | 2,304 |
| Q1 2025 | $24.9M | $22.5M | $9.4M | $2.3M | $861 | 0.01% | 3.98% | 0.90% | 2,346 |
| Q4 2024 | $25.0M | $22.5M | $9.4M | $2.3M | $14K | 0.06% | 3.82% | 1.40% | 2,367 |
| Q3 2024 | $25.3M | $22.9M | $8.9M | $2.3M | $2K | 0.01% | 3.71% | 1.19% | 2,393 |
| Q2 2024 | $25.7M | $23.3M | $8.5M | $2.3M | $-12K | -0.09% | 3.60% | 1.44% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.60% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 4.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,423 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $8.2M · securities $13.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.2% | 81.5% | 69th |
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.