| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +1.3% | +4.7 pts |
| Share growth (YoY) | +6.0% | +0.7% | +5.4 pts |
| Loan growth (YoY) | -11.0% | -2.4% | -8.6 pts |
| ROA | -0.09% | 0.60% | -0.7 pts |
| ROE | -0.5% | 4.1% | -4.6 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 | $10.2M | $8.1M | $6.4M | $1.9M | $-2K | -0.09% | 7.58% | 0.26% | 2,661 |
| Q4 2025 | $9.9M | $7.9M | $6.9M | $2.0M | $231K | 2.32% | 8.06% | 1.67% | 2,648 |
| Q3 2025 | $9.3M | $7.3M | $6.7M | $2.0M | $239K | 3.42% | 8.64% | 1.43% | 2,617 |
| Q2 2025 | $9.7M | $7.7M | $7.2M | $1.9M | $197K | 4.05% | 8.22% | 1.37% | 2,588 |
| Q1 2025 | $9.6M | $7.6M | $7.2M | $1.9M | $153K | 6.36% | 8.40% | 0.00% | 2,557 |
| Q4 2024 | $9.1M | $7.3M | $7.6M | $1.7M | $15K | 0.16% | 8.87% | 0.98% | 2,539 |
| Q3 2024 | $9.4M | $7.6M | $7.5M | $1.8M | $77K | 1.10% | 8.67% | 0.88% | 2,428 |
| Q2 2024 | $9.8M | $8.0M | $7.8M | $1.8M | $63K | 1.29% | 8.18% | 0.77% | 2,531 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.09% | 0.60% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -0.5% | 4.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $60K · commercial $0 · consumer $6.2M · securities $99K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.9% | 81.5% | 86th |
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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