| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +1.3% | +0.8 pts |
| Share growth (YoY) | +3.4% | +0.7% | +2.8 pts |
| Loan growth (YoY) | -19.1% | -2.4% | -16.8 pts |
| ROA | -1.01% | 0.60% | -1.6 pts |
| ROE | -5.8% | 4.1% | -9.9 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.2M | $13.4M | $9.1M | $2.8M | $-41K | -1.01% | 2.80% | 0.00% | 1,237 |
| Q4 2025 | $16.1M | $13.2M | $9.8M | $2.8M | $-149K | -0.93% | 2.90% | 0.04% | 1,321 |
| Q3 2025 | $15.9M | $13.0M | $9.8M | $2.9M | $-110K | -0.93% | 2.95% | 0.09% | 1,329 |
| Q2 2025 | $15.8M | $12.9M | $10.7M | $2.9M | $-69K | -0.86% | 3.01% | 0.33% | 1,365 |
| Q1 2025 | $15.9M | $12.9M | $11.3M | $2.9M | $-70K | -1.77% | 2.99% | 1.20% | 1,504 |
| Q4 2024 | $15.9M | $12.9M | $12.0M | $3.0M | $154K | 0.97% | 2.77% | 1.24% | 1,533 |
| Q3 2024 | $16.4M | $13.6M | $13.6M | $2.8M | $60K | 0.49% | 2.58% | 0.01% | 1,510 |
| Q2 2024 | $16.2M | $13.3M | $13.2M | $2.9M | $42K | 0.52% | 2.58% | 0.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.01% | 0.60% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -5.8% | 4.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.80% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,504 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.2M · securities $3.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.1% | 81.5% | 90th |
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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