| Metric | Brewery Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.3% | +1.3% | -5.6 pts |
| Share growth (YoY) | -6.3% | +0.7% | -6.9 pts |
| Loan growth (YoY) | -12.9% | -2.4% | -10.5 pts |
| ROA | 0.09% | 0.60% | -0.5 pts |
| ROE | 0.4% | 4.1% | -3.7 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $58.1M | $43.5M | $35.3M | $13.7M | $13K | 0.09% | 4.88% | 4.21% | 7,674 |
| Q4 2025 | $58.6M | $44.2M | $36.7M | $13.7M | $130K | 0.22% | 5.22% | 4.58% | 7,811 |
| Q3 2025 | $60.3M | $45.5M | $37.1M | $13.6M | $59K | 0.13% | 5.02% | 4.08% | 7,949 |
| Q2 2025 | $59.7M | $45.0M | $38.6M | $13.5M | $-29K | -0.10% | 5.10% | 2.12% | 7,991 |
| Q1 2025 | $60.7M | $46.4M | $40.5M | $13.6M | $29K | 0.19% | 4.92% | 1.51% | 8,079 |
| Q4 2024 | $59.1M | $44.7M | $41.6M | $13.6M | $420K | 0.71% | 5.68% | 2.22% | 8,136 |
| Q3 2024 | $62.3M | $48.1M | $42.9M | $13.4M | $215K | 0.46% | 5.29% | 2.11% | 8,319 |
| Q2 2024 | $63.0M | $49.0M | $44.1M | $13.4M | $209K | 0.66% | 5.21% | 2.07% |
| Ratio | Brewery Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.09% | 0.60% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 4.1% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.88% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,389 |
Loan mix (Q1 2026): real estate $21.4M · commercial $118K · consumer $13.5M · securities $12.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.0% | 81.5% | 56th |
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 | Brewery 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 | Brewery 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 | Brewery 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 | Brewery 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% |
The full ratio pack is part of CharterBench Pro.