| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | +0.8% | +0.7% | +0.1 pts |
| Loan growth (YoY) | -15.1% | -2.4% | -12.7 pts |
| ROA | 0.08% | 0.60% | -0.5 pts |
| ROE | 0.7% | 4.1% | -3.4 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.2M | $12.5M | $5.4M | $1.6M | $3K | 0.08% | 2.65% | 1.28% | 1,848 |
| Q4 2025 | $13.4M | $11.8M | $5.7M | $1.6M | $56K | 0.42% | 3.11% | 1.80% | 1,852 |
| Q3 2025 | $12.9M | $11.3M | $6.0M | $1.6M | $58K | 0.60% | 3.31% | 1.03% | 1,857 |
| Q2 2025 | $13.5M | $11.9M | $6.2M | $1.6M | $35K | 0.52% | 3.16% | 0.98% | 1,871 |
| Q1 2025 | $14.0M | $12.4M | $6.4M | $1.6M | $17K | 0.50% | 3.07% | 0.97% | 1,903 |
| Q4 2024 | $13.3M | $11.7M | $6.5M | $1.5M | $75K | 0.56% | 3.18% | 1.48% | 1,904 |
| Q3 2024 | $13.3M | $11.7M | $6.9M | $1.5M | $58K | 0.58% | 3.18% | 0.51% | 1,900 |
| Q2 2024 | $12.8M | $11.2M | $7.0M | $1.5M | $33K | 0.52% | 3.19% | 0.50% | 1,897 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | 0.60% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 4.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.2M · commercial $0 · consumer $4.2M · securities $5.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.8% | 81.5% | 85th |
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.