| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.3% | +1.3% | -7.6 pts |
| Share growth (YoY) | -6.4% | +0.7% | -7.0 pts |
| Loan growth (YoY) | -6.0% | -2.4% | -3.6 pts |
| ROA | 0.20% | 0.60% | -0.4 pts |
| ROE | 2.0% | 4.1% | -2.1 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $51.8M | $46.0M | $18.9M | $5.0M | $25K | 0.20% | 3.49% | 1.11% | 3,750 |
| Q4 2025 | $50.7M | $44.4M | $19.1M | $5.0M | $-574K | -1.13% | 3.50% | 1.06% | 3,802 |
| Q3 2025 | $53.1M | $46.8M | $19.2M | $5.5M | $-117K | -0.29% | 3.40% | 0.93% | 3,810 |
| Q2 2025 | $54.4M | $48.4M | $19.8M | $5.5M | $-75K | -0.27% | 3.25% | 0.65% | 3,833 |
| Q1 2025 | $55.3M | $49.1M | $20.1M | $5.5M | $-58K | -0.42% | 3.18% | 0.78% | 3,813 |
| Q4 2024 | $56.5M | $50.4M | $20.9M | $5.6M | $-945K | -1.67% | 2.60% | 1.32% | 3,844 |
| Q3 2024 | $58.0M | $52.1M | $21.5M | $5.7M | $-845K | -1.94% | 2.47% | 0.58% | 3,861 |
| Q2 2024 | $57.0M | $50.7M | $22.2M | $5.8M | $-749K | -2.63% | 2.37% | 0.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 0.60% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 4.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,893 |
Loan mix (Q1 2026): real estate $6.0M · commercial $0 · consumer $10.5M · securities $25.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.4% | 81.5% | 64th |
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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