| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +1.3% | -0.4 pts |
| Share growth (YoY) | -0.1% | +0.7% | -0.8 pts |
| Loan growth (YoY) | -14.6% | -2.4% | -12.2 pts |
| ROA | 0.04% | 0.60% | -0.6 pts |
| ROE | 0.4% | 4.1% | -3.7 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.5M | $16.2M | $11.7M | $2.2M | $2K | 0.04% | 4.89% | 0.76% | 2,728 |
| Q4 2025 | $18.5M | $16.2M | $12.2M | $2.2M | $264K | 1.43% | 4.93% | 0.40% | 2,745 |
| Q3 2025 | $18.7M | $16.4M | $12.6M | $2.1M | $250K | 1.78% | 5.04% | 0.11% | 2,852 |
| Q2 2025 | $18.1M | $16.0M | $13.2M | $2.1M | $161K | 1.77% | 5.15% | 0.36% | 2,863 |
| Q1 2025 | $18.3M | $16.2M | $13.7M | $2.0M | $69K | 1.50% | 5.00% | 0.36% | 2,831 |
| Q4 2024 | $17.9M | $15.8M | $13.6M | $1.9M | $122K | 0.68% | 5.16% | 0.15% | 2,848 |
| Q3 2024 | $17.8M | $15.9M | $13.9M | $1.8M | $57K | 0.43% | 5.10% | 0.14% | 2,845 |
| Q2 2024 | $19.4M | $17.4M | $14.1M | $1.8M | $8K | 0.08% | 4.52% | 0.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.04% | 0.60% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 4.1% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.89% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,843 |
Loan mix (Q1 2026): real estate $1.8M · commercial $0 · consumer $9.4M · securities $5.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.9% | 81.5% | 46th |
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.