| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +1.3% | +4.5 pts |
| Share growth (YoY) | +7.2% | +0.7% | +6.5 pts |
| Loan growth (YoY) | -3.5% | -2.4% | -1.1 pts |
| ROA | -1.02% | 0.60% | -1.6 pts |
| ROE | -12.3% | 4.1% | -16.4 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $36.4M | $33.3M | $25.1M | $3.0M | $-93K | -1.02% | 5.00% | 0.51% | 3,620 |
| Q4 2025 | $33.9M | $30.5M | $25.3M | $3.1M | $75K | 0.22% | 5.55% | 0.30% | 3,610 |
| Q3 2025 | $34.9M | $31.6M | $24.9M | $3.1M | $40K | 0.15% | 5.37% | 0.23% | 3,581 |
| Q2 2025 | $34.1M | $30.6M | $25.5M | $3.1M | $31K | 0.18% | 5.43% | 0.21% | 3,578 |
| Q1 2025 | $34.4M | $31.0M | $26.0M | $3.0M | $-27K | -0.31% | 5.39% | 0.24% | 3,558 |
| Q4 2024 | $24.9M | $21.8M | $21.5M | $2.5M | $152K | 0.61% | 5.81% | 0.13% | 2,693 |
| Q3 2024 | $25.5M | $22.9M | $21.2M | $2.4M | $85K | 0.44% | 5.68% | 0.14% | 2,690 |
| Q2 2024 | $25.8M | $23.2M | $21.6M | $2.4M | $53K | 0.41% | 5.54% | 0.03% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.02% | 0.60% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -12.3% | 4.1% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.00% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,673 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $23.6M · securities $3.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 114.2% | 81.5% | 93th |
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.