| Metric | Brantwood Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +1.3% | +4.7 pts |
| Share growth (YoY) | +6.8% | +0.7% | +6.2 pts |
| Loan growth (YoY) | -2.4% | -2.4% | -0.0 pts |
| ROA | -2.12% | 0.60% | -2.7 pts |
| ROE | -22.5% | 4.1% | -26.6 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.2M | $6.5M | $5.3M | $678K | $-38K | -2.12% | 3.76% | 7.05% | 807 |
| Q4 2025 | $7.2M | $6.5M | $5.3M | $716K | $16K | 0.23% | 3.62% | 7.63% | 811 |
| Q3 2025 | $7.3M | $6.6M | $5.4M | $706K | $6K | 0.11% | 3.48% | 8.02% | 811 |
| Q2 2025 | $6.9M | $6.2M | $5.4M | $736K | $6K | 0.17% | 3.54% | 11.59% | 833 |
| Q1 2025 | $6.8M | $6.1M | $5.4M | $726K | $-5K | -0.28% | 3.55% | 7.01% | 828 |
| Q4 2024 | $6.6M | $6.0M | $5.6M | $730K | $13K | 0.19% | 3.53% | 7.49% | 829 |
| Q3 2024 | $6.8M | $6.1M | $5.8M | $722K | $5K | 0.10% | 3.45% | 8.63% | 830 |
| Q2 2024 | $6.8M | $6.2M | $5.8M | $758K | $11K | 0.33% | 3.42% | 10.08% | 854 |
| Ratio | Brantwood Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.12% | 0.60% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -22.5% | 4.1% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.0M · securities $1.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.3% | 81.5% | 23th |
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 | Brantwood Credit Union | 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 | Brantwood Credit Union | 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 | Brantwood Credit Union | 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 | Brantwood Credit Union | 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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