| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.0% | +1.3% | -5.3 pts |
| Share growth (YoY) | -5.5% | +0.7% | -6.2 pts |
| Loan growth (YoY) | -9.4% | -2.4% | -7.1 pts |
| ROA | 0.26% | 0.60% | -0.3 pts |
| ROE | 1.0% | 4.1% | -3.1 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.0M | $9.7M | $4.2M | $3.3M | $8K | 0.26% | 2.60% | 0.98% | 932 |
| Q4 2025 | $13.1M | $9.8M | $4.4M | $3.3M | $376K | 2.86% | 4.95% | 1.00% | 934 |
| Q3 2025 | $13.2M | $9.9M | $4.4M | $3.3M | $372K | 3.75% | 5.72% | 0.64% | 942 |
| Q2 2025 | $13.3M | $10.0M | $4.6M | $3.3M | $380K | 5.72% | 7.54% | 0.30% | 929 |
| Q1 2025 | $13.5M | $10.2M | $4.7M | $3.3M | $372K | 11.01% | 13.29% | 1.16% | 974 |
| Q4 2024 | $14.1M | $11.0M | $4.8M | $3.2M | $-18K | -0.13% | 1.72% | 1.24% | 971 |
| Q3 2024 | $15.0M | $11.7M | $4.9M | $3.2M | $15K | 0.13% | 1.82% | 0.98% | 1,013 |
| Q2 2024 | $14.7M | $11.5M | $4.8M | $3.2M | $16K | 0.22% | 1.92% | 1.54% | 974 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 0.60% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 4.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.60% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.9M · securities $7.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.9% | 81.5% | 71th |
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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