| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +1.3% | +0.4 pts |
| Share growth (YoY) | +3.4% | +0.7% | +2.7 pts |
| Loan growth (YoY) | +2.5% | -2.4% | +4.8 pts |
| ROA | -0.04% | 0.60% | -0.6 pts |
| ROE | -0.3% | 4.1% | -4.4 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.4M | $8.7M | $7.1M | $1.5M | $-1K | -0.04% | 5.44% | 2.70% | 1,219 |
| Q4 2025 | $10.3M | $8.6M | $7.0M | $1.5M | $-60K | -0.58% | 5.33% | 1.64% | 1,201 |
| Q3 2025 | $10.2M | $8.5M | $7.2M | $1.5M | $-39K | -0.51% | 5.44% | 2.37% | 1,204 |
| Q2 2025 | $10.2M | $8.5M | $7.0M | $1.5M | $6K | 0.12% | 5.28% | 1.01% | 1,207 |
| Q1 2025 | $10.2M | $8.4M | $7.0M | $1.6M | $19K | 0.73% | 5.33% | 1.87% | 1,193 |
| Q4 2024 | $9.9M | $8.1M | $6.9M | $1.5M | $-25K | -0.25% | 5.52% | 2.61% | 1,187 |
| Q3 2024 | $10.1M | $8.3M | $6.9M | $1.5M | $-37K | -0.49% | 5.38% | 2.30% | 1,186 |
| Q2 2024 | $10.4M | $8.6M | $7.1M | $1.6M | $-30K | -0.57% | 5.16% | 0.82% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.04% | 0.60% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | -0.3% | 4.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.44% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,170 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.5M · securities $2.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.7% | 81.5% | 76th |
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.