| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +1.3% | +9.0 pts |
| Share growth (YoY) | +10.5% | +0.7% | +9.8 pts |
| Loan growth (YoY) | +4.3% | -2.4% | +6.6 pts |
| ROA | -1.36% | 0.60% | -2.0 pts |
| ROE | -10.6% | 4.1% | -14.7 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.2M | $18.3M | $14.5M | $2.7M | $-72K | -1.36% | 3.27% | 0.68% | 1,773 |
| Q4 2025 | $20.5M | $17.7M | $14.4M | $2.7M | $23K | 0.11% | 3.59% | 2.17% | 1,739 |
| Q3 2025 | $21.0M | $18.0M | $14.5M | $2.7M | $182K | 1.15% | 3.47% | 0.10% | 1,766 |
| Q2 2025 | $20.9M | $18.2M | $14.3M | $2.7M | $115K | 1.10% | 3.43% | 0.54% | 1,734 |
| Q1 2025 | $19.3M | $16.5M | $13.9M | $2.6M | $40K | 0.84% | 3.68% | 0.45% | 1,694 |
| Q4 2024 | $19.3M | $16.6M | $13.6M | $2.5M | $302K | 1.56% | 3.82% | 0.00% | 1,691 |
| Q3 2024 | $19.3M | $16.7M | $13.5M | $2.5M | $235K | 1.63% | 3.83% | 0.11% | 1,673 |
| Q2 2024 | $18.5M | $15.9M | $13.5M | $2.4M | $151K | 1.63% | 3.89% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.36% | 0.60% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -10.6% | 4.1% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,667 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $9.5M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.7% | 81.5% | 34th |
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.