| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +1.3% | -1.9 pts |
| Share growth (YoY) | +5.1% | +0.7% | +4.5 pts |
| Loan growth (YoY) | -10.2% | -2.4% | -7.9 pts |
| ROA | 0.34% | 0.60% | -0.3 pts |
| ROE | 6.4% | 4.1% | +2.3 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $15.6M | $14.5M | $7.0M | $825K | $13K | 0.34% | 4.20% | 4.42% | 1,187 |
| Q4 2025 | $15.5M | $14.3M | $7.3M | $812K | $-144K | -0.93% | 4.54% | 3.12% | 1,206 |
| Q3 2025 | $14.5M | $13.5M | $7.4M | $836K | $-119K | -1.10% | 4.92% | 2.08% | 1,201 |
| Q2 2025 | $15.1M | $14.1M | $7.6M | $1.0M | $-64K | -0.84% | 4.74% | 3.33% | 1,211 |
| Q1 2025 | $15.6M | $13.8M | $7.8M | $1.1M | $10K | 0.26% | 4.38% | 2.79% | 1,228 |
| Q4 2024 | $15.7M | $14.6M | $8.3M | $1.1M | $-251K | -1.60% | 3.85% | 4.24% | 1,239 |
| Q3 2024 | $15.7M | $14.4M | $8.6M | $1.2M | $-41K | -0.35% | 3.78% | 5.02% | 1,245 |
| Q2 2024 | $15.7M | $14.4M | $8.7M | $1.2M | $-5K | -0.06% | 3.59% | 4.68% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.60% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 4.1% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,263 |
Loan mix (Q1 2026): real estate $2.2M · commercial $0 · consumer $3.2M · securities $5.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.8% | 81.5% | 76th |
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.