| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +1.3% | +3.0 pts |
| Share growth (YoY) | +5.8% | +0.7% | +5.1 pts |
| Loan growth (YoY) | +9.9% | -2.4% | +12.3 pts |
| ROA | -0.26% | 0.60% | -0.9 pts |
| ROE | -1.8% | 4.1% | -5.9 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $68.9M | $60.1M | $31.4M | $9.6M | $-44K | -0.26% | 3.51% | 0.49% | 4,726 |
| Q4 2025 | $66.3M | $57.5M | $30.6M | $9.6M | $-327K | -0.49% | 3.23% | 0.78% | 4,680 |
| Q3 2025 | $65.2M | $54.7M | $30.8M | $10.0M | $28K | 0.06% | 3.27% | 0.54% | 4,657 |
| Q2 2025 | $65.0M | $55.4M | $28.8M | $10.1M | $99K | 0.31% | 3.26% | 0.44% | 4,597 |
| Q1 2025 | $66.0M | $56.8M | $28.6M | $10.1M | $121K | 0.73% | 3.12% | 0.39% | 4,629 |
| Q4 2024 | $64.0M | $54.5M | $30.3M | $10.0M | $-96K | -0.15% | 3.10% | 1.02% | 4,674 |
| Q3 2024 | $65.8M | $56.1M | $31.8M | $10.1M | $-85K | -0.17% | 2.97% | 0.97% | 4,702 |
| Q2 2024 | $68.8M | $59.2M | $33.4M | $10.1M | $-125K | -0.36% | 2.76% | 0.42% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.26% | 0.60% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -1.8% | 4.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,755 |
Loan mix (Q1 2026): real estate $11.5M · commercial $0 · consumer $18.7M · securities $26.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.5% | 81.5% | 83th |
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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