| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +1.3% | -3.3 pts |
| Share growth (YoY) | -5.1% | +0.7% | -5.7 pts |
| Loan growth (YoY) | -8.7% | -2.4% | -6.3 pts |
| ROA | -0.29% | 0.60% | -0.9 pts |
| ROE | -1.8% | 4.1% | -5.9 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.5M | $15.4M | $9.4M | $2.9M | $-13K | -0.29% | 3.91% | 1.17% | 2,355 |
| Q4 2025 | $18.5M | $15.5M | $9.8M | $2.9M | $382K | 2.06% | 4.81% | 0.51% | 2,322 |
| Q3 2025 | $18.3M | $15.3M | $10.1M | $2.9M | $350K | 2.56% | 5.00% | 0.40% | 2,320 |
| Q2 2025 | $18.8M | $16.0M | $10.1M | $2.7M | $221K | 2.35% | 4.76% | 0.38% | 2,318 |
| Q1 2025 | $18.9M | $16.2M | $10.3M | $2.6M | $91K | 1.94% | 5.16% | 0.14% | 2,311 |
| Q4 2024 | $18.8M | $16.3M | $10.5M | $2.5M | $361K | 1.92% | 4.06% | 0.19% | 2,328 |
| Q3 2024 | $17.6M | $15.1M | $10.4M | $2.3M | $218K | 1.65% | 4.33% | 0.15% | 2,320 |
| Q2 2024 | $18.7M | $16.3M | $10.3M | $2.3M | $136K | 1.46% | 4.21% | 0.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.29% | 0.60% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -1.8% | 4.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,311 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $9.2M · securities $5.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.7% | 81.5% | 43th |
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.