| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -32.6% | +1.3% | -33.9 pts |
| Share growth (YoY) | -36.4% | +0.7% | -37.0 pts |
| Loan growth (YoY) | -32.0% | -2.4% | -29.6 pts |
| ROA | 0.23% | 0.60% | -0.4 pts |
| ROE | 1.7% | 4.1% | -2.5 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.1M | $13.8M | $10.2M | $2.2M | $9K | 0.23% | 3.06% | 3.57% | 1,014 |
| Q4 2025 | $21.7M | $19.4M | $12.7M | $2.2M | $69K | 0.32% | 3.23% | 3.95% | 1,028 |
| Q3 2025 | $26.2M | $23.9M | $13.3M | $2.3M | $129K | 0.66% | 2.75% | 3.87% | 1,039 |
| Q2 2025 | $23.4M | $21.1M | $15.1M | $2.3M | $135K | 1.15% | 3.31% | 6.34% | 1,028 |
| Q1 2025 | $23.9M | $21.7M | $15.1M | $2.3M | $54K | 0.91% | 2.66% | 3.36% | 1,026 |
| Q4 2024 | $24.5M | $22.2M | $11.7M | $2.2M | $-34K | -0.14% | 3.34% | 3.98% | 1,028 |
| Q3 2024 | $21.4M | $19.1M | $12.7M | $2.3M | $78K | 0.49% | 3.96% | 2.63% | 1,001 |
| Q2 2024 | $21.0M | $18.7M | $11.6M | $2.3M | $30K | 0.29% | 4.15% | 1.15% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.60% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 4.1% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 989 |
Loan mix (Q1 2026): real estate $9.2M · commercial $0 · consumer $734K · securities $17K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.8% | 81.5% | 24th |
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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