| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.2% | +1.3% | -6.5 pts |
| Share growth (YoY) | -6.8% | +0.7% | -7.4 pts |
| Loan growth (YoY) | -4.2% | -2.4% | -1.9 pts |
| ROA | 0.14% | 0.60% | -0.5 pts |
| ROE | 0.8% | 4.1% | -3.3 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $26.0M | $21.7M | $12.7M | $4.4M | $9K | 0.14% | 3.95% | 0.48% | 2,412 |
| Q4 2025 | $27.4M | $23.0M | $13.0M | $4.4M | $52K | 0.19% | 3.60% | 0.29% | 2,383 |
| Q3 2025 | $27.8M | $23.4M | $12.9M | $4.3M | $33K | 0.16% | 3.49% | 0.23% | 2,383 |
| Q2 2025 | $27.4M | $23.3M | $12.9M | $4.4M | $49K | 0.36% | 3.52% | 0.23% | 2,383 |
| Q1 2025 | $27.4M | $23.3M | $13.2M | $4.3M | $19K | 0.27% | 3.46% | 0.00% | 2,416 |
| Q4 2024 | $27.3M | $23.5M | $13.4M | $4.3M | $91K | 0.33% | 3.41% | 0.02% | 2,432 |
| Q3 2024 | $27.6M | $23.0M | $13.6M | $4.3M | $33K | 0.16% | 3.23% | 0.38% | 2,400 |
| Q2 2024 | $27.8M | $23.7M | $13.4M | $4.2M | $-14K | -0.10% | 3.12% | 0.34% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 0.60% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 4.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,434 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $11.7M · securities $11.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.8% | 81.5% | 58th |
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.