| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +1.3% | +4.1 pts |
| Share growth (YoY) | +5.3% | +0.7% | +4.7 pts |
| Loan growth (YoY) | -7.5% | -2.4% | -5.2 pts |
| ROA | -2.10% | 0.60% | -2.7 pts |
| ROE | -27.2% | 4.1% | -31.3 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $24.7M | $22.7M | $9.2M | $1.9M | $-130K | -2.10% | 0.39% | 0.80% | 1,707 |
| Q4 2025 | $24.2M | $22.2M | $9.1M | $2.0M | $84K | 0.35% | 2.62% | 1.10% | 1,701 |
| Q3 2025 | $23.7M | $21.7M | $9.3M | $2.0M | $144K | 0.81% | 2.59% | 2.33% | 1,692 |
| Q2 2025 | $23.7M | $21.8M | $9.7M | $2.0M | $100K | 0.84% | 2.58% | 1.15% | 1,693 |
| Q1 2025 | $23.4M | $21.6M | $9.9M | $2.0M | $53K | 0.91% | 2.41% | 0.82% | 1,829 |
| Q4 2024 | $22.5M | $20.9M | $10.2M | $1.9M | $114K | 0.50% | 2.61% | 0.68% | 1,831 |
| Q3 2024 | $22.2M | $20.7M | $10.7M | $1.8M | $32K | 0.19% | 2.51% | 0.79% | 1,717 |
| Q2 2024 | $22.0M | $20.6M | $10.8M | $1.8M | $3K | 0.03% | 2.54% | 0.49% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.10% | 0.60% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -27.2% | 4.1% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.39% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,713 |
Loan mix (Q1 2026): real estate $2.2M · commercial $0 · consumer $6.1M · securities $10.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 140.9% | 81.5% | 97th |
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.