| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.5% | +1.3% | -9.8 pts |
| Share growth (YoY) | -9.5% | +0.7% | -10.2 pts |
| Loan growth (YoY) | -24.0% | -2.4% | -21.7 pts |
| ROA | 0.35% | 0.60% | -0.3 pts |
| ROE | 2.7% | 4.1% | -1.4 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.9M | $12.8M | $6.2M | $1.9M | $13K | 0.35% | 2.18% | 1.34% | 1,469 |
| Q4 2025 | $15.8M | $12.8M | $6.6M | $2.0M | $-43K | -0.27% | 2.54% | 1.44% | 1,506 |
| Q3 2025 | $15.8M | $13.4M | $7.0M | $2.0M | $21K | 0.17% | 2.49% | 2.10% | 1,557 |
| Q2 2025 | $16.4M | $14.2M | $7.4M | $2.0M | $-12K | -0.15% | 2.31% | 1.11% | 1,608 |
| Q1 2025 | $16.3M | $14.1M | $8.2M | $2.0M | $315 | 0.01% | 2.39% | 0.53% | 1,648 |
| Q4 2024 | $14.9M | $12.7M | $9.6M | $2.0M | $-26K | -0.17% | 2.35% | 0.31% | 1,725 |
| Q3 2024 | $15.6M | $13.4M | $10.0M | $2.0M | $4K | 0.04% | 2.15% | 0.45% | 1,800 |
| Q2 2024 | $15.7M | $13.4M | $10.1M | $2.0M | $-32K | -0.41% | 2.02% | 0.56% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.60% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.18% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,800 |
Loan mix (Q1 2026): real estate $2.6M · commercial $0 · consumer $3.5M · securities $7.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.4% | 81.5% | 57th |
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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