| Metric | Chemco Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +1.3% | +1.8 pts |
| Share growth (YoY) | +2.3% | +0.7% | +1.6 pts |
| Loan growth (YoY) | -10.3% | -2.4% | -7.9 pts |
| ROA | -1.62% | 0.60% | -2.2 pts |
| ROE | -8.2% | 4.1% | -12.3 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.3M | $4.3M | $2.5M | $1.0M | $-22K | -1.62% | 2.47% | 0.00% | 355 |
| Q4 2025 | $5.3M | $4.3M | $2.7M | $1.1M | $118K | 2.20% | 5.04% | 0.11% | 355 |
| Q3 2025 | $5.3M | $4.2M | $2.8M | $1.0M | $79K | 1.99% | 4.75% | 0.00% | 361 |
| Q2 2025 | $5.1M | $4.1M | $2.9M | $1.0M | $72K | 2.80% | 5.06% | 0.00% | 349 |
| Q1 2025 | $5.2M | $4.2M | $2.8M | $982K | $25K | 1.98% | 4.16% | 0.00% | 353 |
| Q4 2024 | $4.9M | $3.9M | $3.1M | $956K | $102K | 2.09% | 5.03% | 0.00% | 354 |
| Q3 2024 | $5.1M | $4.2M | $3.2M | $943K | $52K | 1.34% | 4.04% | 0.88% | 352 |
| Q2 2024 | $5.2M | $4.3M | $3.1M | $910K | $56K | 2.16% | 5.35% | 1.58% | 405 |
| Ratio | Chemco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.62% | 0.60% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -8.2% | 4.1% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.9M · securities $925K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 133.0% | 81.5% | 96th |
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 | Chemco Credit Union | 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 | Chemco Credit Union | 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 | Chemco Credit Union | 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 | Chemco Credit Union | 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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