| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.1% | +1.3% | -5.4 pts |
| Share growth (YoY) | -1.8% | +0.7% | -2.5 pts |
| Loan growth (YoY) | +1.7% | -2.4% | +4.1 pts |
| ROA | -0.74% | 0.60% | -1.3 pts |
| ROE | -7.1% | 4.1% | -11.2 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $35.0M | $31.3M | $22.9M | $3.7M | $-65K | -0.74% | 3.83% | 1.04% | 3,647 |
| Q4 2025 | $34.5M | $31.0M | $24.0M | $3.7M | $-760K | -2.20% | 3.81% | 1.04% | 3,633 |
| Q3 2025 | $36.8M | $32.6M | $23.4M | $3.9M | $-558K | -2.02% | 3.53% | 1.38% | 3,586 |
| Q2 2025 | $36.0M | $31.7M | $22.5M | $4.2M | $-280K | -1.56% | 3.57% | 1.03% | 3,551 |
| Q1 2025 | $36.5M | $31.9M | $22.5M | $4.5M | $-56K | -0.61% | 3.42% | 1.42% | 3,521 |
| Q4 2024 | $34.5M | $29.9M | $23.5M | $4.5M | $-29K | -0.08% | 4.16% | 1.88% | 3,520 |
| Q3 2024 | $34.5M | $29.8M | $23.8M | $4.5M | $-18K | -0.07% | 4.20% | 1.03% | 3,509 |
| Q2 2024 | $34.6M | $29.7M | $24.1M | $4.5M | $245 | 0.00% | 4.23% | 0.38% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.74% | 0.60% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -7.1% | 4.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,491 |
Loan mix (Q1 2026): real estate $281K · commercial $0 · consumer $17.6M · securities $4.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 117.8% | 81.5% | 94th |
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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