| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +3.1% | +0.7% | +2.5 pts |
| Loan growth (YoY) | -11.4% | -2.4% | -9.1 pts |
| ROA | -0.05% | 0.60% | -0.7 pts |
| ROE | -0.3% | 4.1% | -4.4 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.0M | $7.2M | $2.8M | $1.8M | $-1K | -0.05% | 2.58% | 2.10% | 758 |
| Q4 2025 | $8.6M | $6.7M | $2.6M | $1.8M | $52K | 0.61% | 2.92% | 2.24% | 781 |
| Q3 2025 | $8.3M | $6.5M | $2.7M | $1.8M | $39K | 0.63% | 3.03% | 0.00% | 792 |
| Q2 2025 | $8.6M | $6.9M | $3.0M | $1.8M | $26K | 0.60% | 2.98% | 0.00% | 799 |
| Q1 2025 | $8.7M | $7.0M | $3.1M | $1.8M | $10K | 0.44% | 2.83% | 0.00% | 801 |
| Q4 2024 | $8.3M | $6.5M | $3.1M | $1.8M | $154K | 1.86% | 4.05% | 2.14% | 808 |
| Q3 2024 | $8.4M | $6.7M | $3.1M | $1.8M | $130K | 2.05% | 4.18% | 0.01% | 820 |
| Q2 2024 | $9.1M | $7.4M | $3.2M | $1.7M | $83K | 1.84% | 3.91% | 0.00% | 832 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.05% | 0.60% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | -0.3% | 4.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $2.5M · commercial $0 · consumer $209K · securities $4.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.7% | 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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