| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +1.3% | +1.0 pts |
| Share growth (YoY) | +2.4% | +0.7% | +1.8 pts |
| Loan growth (YoY) | -11.2% | -2.4% | -8.8 pts |
| ROA | -1.42% | 0.60% | -2.0 pts |
| ROE | -17.3% | 4.1% | -21.4 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 | $15.7M | $14.4M | $5.0M | $1.3M | $-56K | -1.42% | 3.55% | 1.74% | 1,165 |
| Q4 2025 | $16.2M | $14.9M | $5.3M | $1.3M | $602 | 0.00% | 3.30% | 3.12% | 1,184 |
| Q3 2025 | $15.5M | $14.2M | $5.4M | $1.3M | $-5K | -0.05% | 3.40% | 4.91% | 1,192 |
| Q2 2025 | $15.8M | $14.5M | $5.6M | $1.3M | $-3K | -0.04% | 3.26% | 3.02% | 1,194 |
| Q1 2025 | $15.3M | $14.1M | $5.6M | $1.3M | $156 | 0.00% | 3.18% | 3.33% | 1,200 |
| Q4 2024 | $15.2M | $13.9M | $6.1M | $1.3M | $-23K | -0.15% | 2.90% | 2.92% | 1,219 |
| Q3 2024 | $15.6M | $14.3M | $6.4M | $1.3M | $-28K | -0.24% | 2.69% | 4.18% | 1,230 |
| Q2 2024 | $16.2M | $14.9M | $6.7M | $1.3M | $-18K | -0.22% | 2.54% | 2.67% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.42% | 0.60% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -17.3% | 4.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,234 |
Loan mix (Q1 2026): real estate $1.9M · commercial $0 · consumer $2.6M · securities $8.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.9% | 81.5% | 58th |
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.