| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.8% | +1.3% | -4.1 pts |
| Share growth (YoY) | -3.4% | +0.7% | -4.0 pts |
| Loan growth (YoY) | -13.5% | -2.4% | -11.1 pts |
| ROA | -0.00% | 0.60% | -0.6 pts |
| ROE | -0.0% | 4.1% | -4.1 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 | $20.4M | $18.0M | $8.4M | $2.4M | $-172 | -0.00% | 3.17% | 1.53% | 2,183 |
| Q4 2025 | $20.0M | $17.6M | $8.9M | $2.4M | $65K | 0.32% | 3.39% | 2.18% | 2,175 |
| Q3 2025 | $19.9M | $17.4M | $9.3M | $2.5M | $56K | 0.37% | 3.22% | 1.22% | 2,191 |
| Q2 2025 | $20.2M | $17.8M | $9.5M | $2.5M | $46K | 0.46% | 3.23% | 0.80% | 2,171 |
| Q1 2025 | $21.0M | $18.6M | $9.7M | $2.4M | $14K | 0.27% | 2.83% | 0.60% | 2,164 |
| Q4 2024 | $21.0M | $18.6M | $9.7M | $2.4M | $71K | 0.34% | 3.21% | 1.41% | 2,149 |
| Q3 2024 | $20.9M | $18.5M | $9.9M | $2.5M | $69K | 0.44% | 3.22% | 1.20% | 2,134 |
| Q2 2024 | $21.2M | $18.8M | $9.9M | $2.5M | $49K | 0.47% | 3.26% | 2.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.00% | 0.60% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | -0.0% | 4.1% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,138 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $8.1M · securities $7.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.1% | 81.5% | 58th |
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.