| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.5% | +1.3% | -6.8 pts |
| Share growth (YoY) | -6.5% | +0.7% | -7.2 pts |
| Loan growth (YoY) | -11.8% | -2.4% | -9.4 pts |
| ROA | 0.21% | 0.60% | -0.4 pts |
| ROE | 2.1% | 4.1% | -2.0 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $30.5M | $27.4M | $21.6M | $3.0M | $16K | 0.21% | 3.37% | 0.94% | 2,551 |
| Q4 2025 | $30.7M | $27.6M | $22.4M | $3.0M | $-67K | -0.22% | 3.22% | 1.34% | 2,600 |
| Q3 2025 | $30.7M | $27.6M | $23.2M | $3.1M | $-22K | -0.10% | 3.23% | 0.56% | 2,615 |
| Q2 2025 | $30.7M | $27.7M | $24.3M | $3.1M | $-23K | -0.15% | 3.21% | 0.49% | 2,607 |
| Q1 2025 | $32.3M | $29.3M | $24.5M | $3.1M | $-18K | -0.22% | 3.03% | 0.44% | 2,602 |
| Q4 2024 | $31.1M | $28.0M | $25.1M | $3.1M | $-309K | -0.99% | 2.88% | 1.42% | 3,004 |
| Q3 2024 | $31.8M | $28.7M | $25.8M | $3.2M | $-263K | -1.10% | 2.87% | 1.20% | 2,928 |
| Q2 2024 | $33.3M | $30.2M | $26.5M | $3.2M | $-238K | -1.43% | 2.66% | 2.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.60% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,038 |
Loan mix (Q1 2026): real estate $9.2M · commercial $0 · consumer $11.7M · securities $4.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.3% | 81.5% | 59th |
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.