| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.8% | +1.3% | -6.1 pts |
| Share growth (YoY) | -5.3% | +0.7% | -5.9 pts |
| Loan growth (YoY) | -19.5% | -2.4% | -17.2 pts |
| ROA | -0.89% | 0.60% | -1.5 pts |
| ROE | -6.7% | 4.1% | -10.8 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $31.7M | $28.0M | $10.1M | $4.2M | $-70K | -0.89% | 3.62% | 2.95% | 2,718 |
| Q4 2025 | $30.9M | $27.1M | $10.6M | $4.2M | $-239K | -0.77% | 3.93% | 2.63% | 2,726 |
| Q3 2025 | $31.4M | $27.5M | $12.3M | $4.4M | $-67K | -0.28% | 3.89% | 14.08% | 2,768 |
| Q2 2025 | $32.2M | $28.4M | $12.5M | $4.4M | $-36K | -0.22% | 3.77% | 13.61% | 2,788 |
| Q1 2025 | $33.3M | $29.5M | $12.6M | $4.4M | $-24K | -0.29% | 3.54% | 13.87% | 3,015 |
| Q4 2024 | $31.6M | $28.0M | $12.8M | $4.5M | $-132K | -0.42% | 3.83% | 13.43% | 2,977 |
| Q3 2024 | $32.3M | $28.4M | $12.8M | $4.6M | $-21K | -0.09% | 3.83% | 11.73% | 3,197 |
| Q2 2024 | $35.2M | $31.7M | $13.1M | $4.6M | $-26K | -0.15% | 3.40% | 12.44% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.89% | 0.60% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -6.7% | 4.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,519 |
Loan mix (Q1 2026): real estate $6.1M · commercial $145K · consumer $3.6M · securities $14.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 119.9% | 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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