| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +1.3% | -1.7 pts |
| Share growth (YoY) | -0.1% | +0.7% | -0.7 pts |
| Loan growth (YoY) | -7.2% | -2.4% | -4.8 pts |
| ROA | 0.21% | 0.60% | -0.4 pts |
| ROE | 2.1% | 4.1% | -2.0 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $52.5M | $47.1M | $35.8M | $5.3M | $27K | 0.21% | 3.64% | 1.26% | 5,485 |
| Q4 2025 | $50.4M | $45.0M | $36.0M | $5.3M | $-156K | -0.31% | 3.75% | 1.46% | 5,422 |
| Q3 2025 | $49.5M | $44.2M | $37.4M | $5.4M | $-137K | -0.37% | 3.78% | 2.11% | 5,407 |
| Q2 2025 | $50.1M | $44.6M | $38.5M | $5.5M | $-39K | -0.15% | 3.66% | 2.75% | 5,405 |
| Q1 2025 | $52.6M | $47.1M | $38.6M | $5.5M | $-14K | -0.11% | 3.36% | 2.69% | 5,382 |
| Q4 2024 | $52.4M | $46.9M | $38.3M | $5.5M | $-150K | -0.29% | 3.16% | 2.39% | 5,316 |
| Q3 2024 | $50.4M | $44.6M | $37.3M | $5.7M | $-87K | -0.23% | 3.19% | 2.20% | 5,272 |
| Q2 2024 | $51.1M | $45.4M | $36.2M | $5.7M | $-18K | -0.07% | 3.09% | 1.52% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.60% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,237 |
Loan mix (Q1 2026): real estate $2.8M · commercial $0 · consumer $26.5M · securities $5.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.7% | 81.5% | 70th |
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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