| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +1.3% | -4.9 pts |
| Share growth (YoY) | -3.9% | +0.7% | -4.5 pts |
| Loan growth (YoY) | +4.5% | -2.4% | +6.8 pts |
| ROA | 0.03% | 0.60% | -0.6 pts |
| ROE | 0.4% | 4.1% | -3.7 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 | $25.3M | $22.4M | $13.1M | $2.3M | $2K | 0.03% | 3.62% | 0.16% | 2,828 |
| Q4 2025 | $24.9M | $21.9M | $12.8M | $2.3M | $11K | 0.04% | 3.70% | 0.00% | 2,814 |
| Q3 2025 | $25.5M | $22.5M | $12.9M | $2.3M | $42K | 0.22% | 3.62% | 0.19% | 2,841 |
| Q2 2025 | $25.9M | $22.8M | $13.0M | $2.4M | $61K | 0.47% | 3.53% | 0.10% | 2,869 |
| Q1 2025 | $26.2M | $23.3M | $12.6M | $2.3M | $46K | 0.70% | 3.46% | 0.04% | 2,919 |
| Q4 2024 | $26.3M | $23.4M | $12.7M | $2.3M | $-77K | -0.29% | 3.03% | 0.38% | 3,013 |
| Q3 2024 | $27.2M | $24.2M | $12.4M | $2.3M | $-30K | -0.15% | 2.85% | 0.02% | 3,463 |
| Q2 2024 | $27.2M | $24.4M | $12.4M | $2.4M | $-11K | -0.08% | 2.75% | 0.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.60% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 4.1% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,475 |
Loan mix (Q1 2026): real estate $1.1M · commercial $0 · consumer $11.9M · securities $10.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.3% | 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% |
The full ratio pack is part of CharterBench Pro.