| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.6% | +1.3% | -6.9 pts |
| Share growth (YoY) | -8.9% | +0.7% | -9.6 pts |
| Loan growth (YoY) | -15.3% | -2.4% | -13.0 pts |
| ROA | 0.27% | 0.60% | -0.3 pts |
| ROE | 0.8% | 4.1% | -3.3 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.8M | $4.5M | $2.4M | $2.2M | $5K | 0.27% | 4.60% | 0.77% | 1,420 |
| Q4 2025 | $6.6M | $4.3M | $2.5M | $2.2M | $74K | 1.12% | 5.31% | 0.44% | 1,414 |
| Q3 2025 | $7.0M | $4.7M | $2.6M | $2.2M | $56K | 1.07% | 5.06% | 0.85% | 1,388 |
| Q2 2025 | $7.2M | $5.0M | $2.7M | $2.1M | $42K | 1.16% | 4.94% | 1.84% | 1,371 |
| Q1 2025 | $7.2M | $5.0M | $2.8M | $2.1M | $34K | 1.91% | 5.45% | 0.89% | 1,388 |
| Q4 2024 | $6.9M | $4.7M | $2.9M | $2.1M | $139K | 2.02% | 5.45% | 0.61% | 1,359 |
| Q3 2024 | $7.1M | $4.9M | $3.0M | $2.1M | $103K | 1.95% | 5.30% | 0.23% | 1,340 |
| Q2 2024 | $7.0M | $4.9M | $3.1M | $2.0M | $73K | 2.11% | 5.27% | 0.07% | 1,327 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.60% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 4.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.60% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $2.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.1% | 81.5% | 49th |
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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