| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +1.3% | -4.3 pts |
| Share growth (YoY) | -4.1% | +0.7% | -4.7 pts |
| Loan growth (YoY) | -19.5% | -2.4% | -17.2 pts |
| ROA | 0.41% | 0.60% | -0.2 pts |
| ROE | 2.2% | 4.1% | -1.9 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.7M | $17.7M | $4.8M | $3.9M | $22K | 0.41% | 2.45% | 0.61% | 1,348 |
| Q4 2025 | $21.0M | $17.1M | $5.2M | $3.9M | $65K | 0.31% | 2.76% | 1.22% | 1,416 |
| Q3 2025 | $20.8M | $16.8M | $5.4M | $3.9M | $85K | 0.54% | 2.69% | 1.35% | 1,366 |
| Q2 2025 | $21.6M | $17.7M | $5.8M | $3.9M | $62K | 0.57% | 2.55% | 0.34% | 1,367 |
| Q1 2025 | $22.4M | $18.5M | $6.0M | $3.8M | $13K | 0.23% | 2.39% | 0.33% | 1,376 |
| Q4 2024 | $21.3M | $17.5M | $6.1M | $3.8M | $-20K | -0.09% | 2.44% | 0.70% | 1,374 |
| Q3 2024 | $21.8M | $17.8M | $6.4M | $3.9M | $26K | 0.16% | 2.37% | 1.11% | 1,403 |
| Q2 2024 | $23.0M | $19.1M | $6.7M | $3.9M | $20K | 0.18% | 2.23% | 1.50% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.60% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.45% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,408 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.7M · securities $14.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.1% | 81.5% | 46th |
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.