| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.1% | +1.3% | -5.4 pts |
| Share growth (YoY) | -2.9% | +0.7% | -3.6 pts |
| Loan growth (YoY) | -15.8% | -2.4% | -13.5 pts |
| ROA | -0.21% | 0.60% | -0.8 pts |
| ROE | -1.2% | 4.1% | -5.3 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 | $65.2M | $54.5M | $18.1M | $11.7M | $-34K | -0.21% | 3.63% | 0.71% | 4,008 |
| Q4 2025 | $66.7M | $55.8M | $19.3M | $11.6M | $-1.2M | -1.77% | 3.77% | 0.48% | 4,201 |
| Q3 2025 | $67.7M | $55.3M | $20.1M | $12.9M | $54K | 0.11% | 3.72% | 0.38% | 4,298 |
| Q2 2025 | $67.8M | $55.9M | $20.4M | $12.8M | $-11K | -0.03% | 3.67% | 1.08% | 4,497 |
| Q1 2025 | $68.0M | $56.1M | $21.6M | $12.7M | $-58K | -0.34% | 3.65% | 0.69% | 4,795 |
| Q4 2024 | $65.7M | $53.8M | $23.5M | $12.8M | $135K | 0.20% | 3.95% | 1.05% | 4,914 |
| Q3 2024 | $64.9M | $53.2M | $24.5M | $12.7M | $40K | 0.08% | 3.97% | 1.13% | 4,794 |
| Q2 2024 | $64.7M | $54.7M | $25.0M | $12.6M | $-114K | -0.35% | 3.91% | 2.40% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.21% | 0.60% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -1.2% | 4.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,914 |
Loan mix (Q1 2026): real estate $4.3M · commercial $0 · consumer $13.4M · securities $29.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.4% | 81.5% | 62th |
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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