| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +1.3% | -2.6 pts |
| Share growth (YoY) | -1.3% | +0.7% | -1.9 pts |
| Loan growth (YoY) | +9.3% | -2.4% | +11.7 pts |
| ROA | -0.23% | 0.60% | -0.8 pts |
| ROE | -2.0% | 4.1% | -6.1 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $34.6M | $30.6M | $12.9M | $4.1M | $-20K | -0.23% | 2.46% | 0.17% | 1,773 |
| Q4 2025 | $33.6M | $29.2M | $13.4M | $4.1M | $18K | 0.05% | 2.35% | 0.07% | 1,785 |
| Q3 2025 | $34.0M | $29.5M | $12.9M | $4.1M | $5K | 0.02% | 2.27% | 0.06% | 1,815 |
| Q2 2025 | $33.8M | $29.1M | $11.7M | $4.1M | $993 | 0.01% | 2.21% | 0.00% | 1,830 |
| Q1 2025 | $35.0M | $31.0M | $11.8M | $4.1M | $-8K | -0.09% | 2.09% | 0.05% | 1,831 |
| Q4 2024 | $33.6M | $29.6M | $11.9M | $4.1M | $33K | 0.10% | 2.37% | 0.08% | 1,870 |
| Q3 2024 | $34.2M | $30.1M | $11.7M | $4.1M | $41K | 0.16% | 2.36% | 0.06% | 1,795 |
| Q2 2024 | $34.7M | $31.0M | $12.4M | $4.1M | $33K | 0.19% | 2.26% | 0.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.23% | 0.60% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -2.0% | 4.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.46% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,932 |
Loan mix (Q1 2026): real estate $7.9M · commercial $0 · consumer $4.8M · securities $17.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.7% | 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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