| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +1.3% | +2.5 pts |
| Share growth (YoY) | +4.3% | +0.7% | +3.6 pts |
| Loan growth (YoY) | -11.5% | -2.4% | -9.2 pts |
| ROA | 0.01% | 0.60% | -0.6 pts |
| ROE | 0.1% | 4.1% | -4.0 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.4M | $5.4M | $4.5M | $978K | $134 | 0.01% | 2.94% | 0.59% | 706 |
| Q4 2025 | $6.5M | $5.4M | $4.8M | $977K | $25K | 0.39% | 2.40% | 0.71% | 704 |
| Q3 2025 | $6.3M | $5.3M | $4.9M | $997K | $44K | 0.94% | 3.07% | 0.43% | 705 |
| Q2 2025 | $6.2M | $5.2M | $5.1M | $980K | $28K | 0.91% | 3.15% | 1.43% | 695 |
| Q1 2025 | $6.2M | $5.2M | $5.1M | $965K | $12K | 0.80% | 3.28% | 1.39% | 694 |
| Q4 2024 | $6.0M | $5.0M | $5.1M | $952K | $25K | 0.42% | 2.52% | 1.59% | 685 |
| Q3 2024 | $6.0M | $4.9M | $5.0M | $1.0M | $74K | 1.66% | 3.91% | 1.46% | 682 |
| Q2 2024 | $6.0M | $5.0M | $5.1M | $979K | $52K | 1.72% | 3.70% | 0.54% | 682 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.01% | 0.60% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 4.1% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.7M · securities $201K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.0% | 81.5% | 37th |
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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