| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +1.3% | -1.6 pts |
| Share growth (YoY) | -1.1% | +0.7% | -1.8 pts |
| Loan growth (YoY) | -15.9% | -2.4% | -13.6 pts |
| ROA | -0.36% | 0.60% | -1.0 pts |
| ROE | -2.9% | 4.1% | -7.0 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $70.7M | $61.6M | $30.5M | $8.8M | $-63K | -0.36% | 3.31% | 0.22% | 8,909 |
| Q4 2025 | $68.1M | $60.9M | $32.2M | $8.8M | $413K | 0.61% | 3.43% | 1.01% | 9,000 |
| Q3 2025 | $68.5M | $59.5M | $33.1M | $8.9M | $384K | 0.75% | 3.40% | 0.46% | 9,238 |
| Q2 2025 | $70.1M | $61.4M | $35.0M | $8.7M | $240K | 0.68% | 3.28% | 0.75% | 9,444 |
| Q1 2025 | $70.9M | $62.3M | $36.2M | $8.6M | $124K | 0.70% | 3.16% | 0.66% | 9,555 |
| Q4 2024 | $68.3M | $60.6M | $37.7M | $8.5M | $358K | 0.52% | 3.17% | 0.58% | 9,933 |
| Q3 2024 | $69.8M | $61.0M | $38.1M | $8.4M | $201K | 0.38% | 3.05% | 0.55% | 10,175 |
| Q2 2024 | $72.6M | $64.0M | $38.2M | $8.3M | $108K | 0.30% | 2.88% | 0.36% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.36% | 0.60% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -2.9% | 4.1% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 10,455 |
Loan mix (Q1 2026): real estate $12.7M · commercial $0 · consumer $17.4M · securities $27.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.9% | 81.5% | 67th |
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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