| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.1% | +1.3% | -12.4 pts |
| Share growth (YoY) | -8.3% | +0.7% | -8.9 pts |
| Loan growth (YoY) | -7.1% | -2.4% | -4.8 pts |
| ROA | -0.11% | 0.60% | -0.7 pts |
| ROE | -1.5% | 4.1% | -5.6 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $28.3M | $26.3M | $23.4M | $2.1M | $-8K | -0.11% | 3.67% | 0.72% | 2,169 |
| Q4 2025 | $28.3M | $26.8M | $23.0M | $2.1M | $1K | 0.00% | 4.04% | 2.15% | 2,166 |
| Q3 2025 | $28.9M | $27.0M | $24.4M | $2.2M | $-23K | -0.11% | 3.97% | 0.31% | 2,185 |
| Q2 2025 | $32.1M | $29.0M | $25.1M | $3.3M | $37 | 0.00% | 3.58% | 0.18% | 2,206 |
| Q1 2025 | $31.8M | $28.7M | $25.2M | $3.3M | $-1K | -0.02% | 3.57% | 0.31% | 2,215 |
| Q4 2024 | $28.2M | $25.5M | $24.7M | $3.3M | $570K | 2.02% | 4.24% | 1.11% | 2,180 |
| Q3 2024 | $30.8M | $27.5M | $25.8M | $3.3M | $600K | 2.60% | 3.95% | 0.95% | 2,181 |
| Q2 2024 | $30.5M | $28.1M | $25.6M | $2.7M | $7K | 0.05% | 3.98% | 1.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.11% | 0.60% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -1.5% | 4.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,179 |
Loan mix (Q1 2026): real estate $13.2M · commercial $132K · consumer $4.7M · securities $99K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.6% | 81.5% | 84th |
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.