| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.0% | +1.3% | -7.3 pts |
| Share growth (YoY) | -7.0% | +0.7% | -7.7 pts |
| Loan growth (YoY) | -7.5% | -2.4% | -5.1 pts |
| ROA | 0.04% | 0.60% | -0.6 pts |
| ROE | 0.3% | 4.1% | -3.8 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $19.0M | $16.1M | $4.5M | $2.7M | $2K | 0.04% | 3.91% | 3.72% | 3,215 |
| Q4 2025 | $18.9M | $16.0M | $4.6M | $2.7M | $-47K | -0.25% | 4.29% | 4.11% | 3,217 |
| Q3 2025 | $19.1M | $16.2M | $4.7M | $2.8M | $-40K | -0.28% | 4.24% | 4.90% | 3,238 |
| Q2 2025 | $20.0M | $17.1M | $4.9M | $2.8M | $32K | 0.32% | 4.01% | 10.74% | 3,826 |
| Q1 2025 | $20.2M | $17.3M | $4.9M | $2.8M | $17K | 0.35% | 3.99% | 9.98% | 3,902 |
| Q4 2024 | $20.2M | $17.3M | $5.2M | $2.9M | $-42K | -0.21% | 3.76% | 10.90% | 3,989 |
| Q3 2024 | $20.6M | $17.6M | $5.4M | $3.1M | $68K | 0.44% | 4.27% | 10.22% | 5,065 |
| Q2 2024 | $20.8M | $17.8M | $5.6M | $3.0M | $20K | 0.19% | 4.13% | 13.42% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.04% | 0.60% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 4.1% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,093 |
Loan mix (Q1 2026): real estate $2.7M · commercial $0 · consumer $1.7M · securities $10.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.1% | 81.5% | 84th |
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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