| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.9% | +1.3% | -6.2 pts |
| Share growth (YoY) | -6.1% | +0.7% | -6.8 pts |
| Loan growth (YoY) | -10.8% | -2.4% | -8.5 pts |
| ROA | 0.32% | 0.60% | -0.3 pts |
| ROE | 1.6% | 4.1% | -2.5 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.3M | $11.4M | $8.5M | $2.8M | $11K | 0.32% | 4.27% | 1.68% | 1,303 |
| Q4 2025 | $14.9M | $11.9M | $9.0M | $2.8M | $110K | 0.74% | 4.31% | 1.79% | 1,326 |
| Q3 2025 | $15.3M | $12.4M | $8.8M | $2.8M | $88K | 0.77% | 4.19% | 1.33% | 1,357 |
| Q2 2025 | $15.2M | $12.3M | $9.1M | $2.7M | $55K | 0.72% | 4.24% | 0.91% | 1,357 |
| Q1 2025 | $15.0M | $12.1M | $9.5M | $2.7M | $25K | 0.67% | 4.39% | 1.26% | 1,364 |
| Q4 2024 | $14.5M | $11.7M | $10.1M | $2.7M | $240K | 1.65% | 4.90% | 1.58% | 1,388 |
| Q3 2024 | $14.7M | $11.9M | $10.0M | $2.6M | $198K | 1.79% | 4.83% | 1.21% | 1,367 |
| Q2 2024 | $14.4M | $11.6M | $10.4M | $2.6M | $140K | 1.95% | 4.92% | 1.18% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.60% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 4.1% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,420 |
Loan mix (Q1 2026): real estate $2.4M · commercial $0 · consumer $5.7M · securities $4.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.6% | 81.5% | 28th |
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.