| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.4% | +1.3% | -10.7 pts |
| Share growth (YoY) | -9.8% | +0.7% | -10.5 pts |
| Loan growth (YoY) | -14.0% | -2.4% | -11.6 pts |
| ROA | -4.65% | 0.60% | -5.3 pts |
| ROE | -31.4% | 4.1% | -35.5 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $17.3M | $14.6M | $11.2M | $2.6M | $-201K | -4.65% | 3.67% | 5.71% | 2,260 |
| Q4 2025 | $18.0M | $15.3M | $11.8M | $2.7M | $-235K | -1.30% | 3.78% | 5.81% | 2,266 |
| Q3 2025 | $18.4M | $15.6M | $12.4M | $2.8M | $-153K | -1.10% | 3.75% | 4.58% | 2,266 |
| Q2 2025 | $18.6M | $15.7M | $13.0M | $2.9M | $84K | 0.90% | 3.62% | 4.49% | 2,265 |
| Q1 2025 | $19.1M | $16.2M | $13.1M | $3.1M | $14K | 0.28% | 3.35% | 3.08% | 2,333 |
| Q4 2024 | $18.4M | $15.6M | $13.1M | $3.1M | $30K | 0.16% | 4.26% | 3.01% | 2,398 |
| Q3 2024 | $17.9M | $15.2M | $13.7M | $3.1M | $-331K | -2.46% | 4.52% | 3.11% | 2,396 |
| Q2 2024 | $17.9M | $14.9M | $14.6M | $2.8M | $65K | 0.73% | 4.69% | 3.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.65% | 0.60% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -31.4% | 4.1% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,396 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $9.0M · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.3% | 81.5% | 86th |
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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