| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.2% | +1.3% | -6.5 pts |
| Share growth (YoY) | -6.4% | +0.7% | -7.1 pts |
| Loan growth (YoY) | -16.9% | -2.4% | -14.6 pts |
| ROA | 0.10% | 0.60% | -0.5 pts |
| ROE | 1.2% | 4.1% | -2.9 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $91.5M | $83.6M | $60.1M | $7.7M | $23K | 0.10% | 2.91% | 1.27% | 4,643 |
| Q4 2025 | $94.6M | $86.6M | $64.1M | $7.7M | $683K | 0.72% | 2.74% | 2.89% | 4,680 |
| Q3 2025 | $94.5M | $86.6M | $69.5M | $7.6M | $559K | 0.79% | 2.65% | 1.71% | 4,691 |
| Q2 2025 | $94.7M | $87.1M | $69.6M | $7.3M | $299K | 0.63% | 2.47% | 0.30% | 4,707 |
| Q1 2025 | $96.5M | $89.3M | $72.3M | $7.0M | $-16K | -0.07% | 2.41% | 2.99% | 4,765 |
| Q4 2024 | $93.5M | $86.1M | $73.8M | $7.0M | $-4K | -0.00% | 2.70% | 2.42% | 4,784 |
| Q3 2024 | $93.2M | $85.8M | $75.6M | $7.1M | $87K | 0.12% | 2.77% | 0.32% | 4,843 |
| Q2 2024 | $92.8M | $85.4M | $75.8M | $7.0M | $58K | 0.12% | 2.85% | 0.24% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 0.60% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 4.1% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,338 |
Loan mix (Q1 2026): real estate $46.8M · commercial $0 · consumer $13.1M · securities $7.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.0% | 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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