| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +1.3% | +7.3 pts |
| Share growth (YoY) | +9.9% | +0.7% | +9.3 pts |
| Loan growth (YoY) | +4.8% | -2.4% | +7.2 pts |
| ROA | -1.28% | 0.60% | -1.9 pts |
| ROE | -8.0% | 4.1% | -12.1 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.5M | $15.5M | $10.9M | $3.0M | $-59K | -1.28% | 4.59% | 2.29% | 2,031 |
| Q4 2025 | $19.1M | $16.1M | $10.6M | $3.0M | $166K | 0.87% | 4.55% | 1.90% | 2,040 |
| Q3 2025 | $19.2M | $16.1M | $10.5M | $3.0M | $-56K | -0.39% | 4.60% | 1.39% | 2,094 |
| Q2 2025 | $17.1M | $14.2M | $10.4M | $2.9M | $80K | 0.93% | 5.28% | 2.37% | 2,146 |
| Q1 2025 | $17.1M | $14.1M | $10.4M | $2.9M | $70K | 1.64% | 5.31% | 2.02% | 2,125 |
| Q4 2024 | $15.9M | $13.0M | $10.7M | $2.9M | $205K | 1.29% | 5.25% | 2.21% | 2,116 |
| Q3 2024 | $15.9M | $12.9M | $11.2M | $2.8M | $157K | 1.32% | 5.19% | 1.01% | 2,166 |
| Q2 2024 | $16.0M | $13.2M | $11.2M | $2.8M | $117K | 1.46% | 5.06% | 1.34% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.28% | 0.60% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -8.0% | 4.1% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.59% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,164 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $9.3M · securities $6.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.8% | 81.5% | 51th |
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.