| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +1.3% | -5.7 pts |
| Share growth (YoY) | -4.2% | +0.7% | -4.8 pts |
| Loan growth (YoY) | -16.3% | -2.4% | -13.9 pts |
| ROA | -0.29% | 0.60% | -0.9 pts |
| ROE | -2.5% | 4.1% | -6.6 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 | $24.1M | $21.2M | $13.6M | $2.8M | $-18K | -0.29% | 3.65% | 1.59% | 2,758 |
| Q4 2025 | $23.4M | $20.5M | $14.3M | $2.8M | $-292K | -1.25% | 3.95% | 2.54% | 2,824 |
| Q3 2025 | $23.2M | $20.4M | $14.5M | $2.7M | $-796K | -4.58% | 0.46% | 2.19% | 2,833 |
| Q2 2025 | $24.3M | $21.0M | $15.6M | $3.3M | $149K | 1.23% | 6.20% | 3.43% | 2,919 |
| Q1 2025 | $25.2M | $22.2M | $16.2M | $3.0M | $-132K | -2.09% | 3.40% | 4.30% | 3,015 |
| Q4 2024 | $24.8M | $21.6M | $17.2M | $3.1M | $237K | 0.96% | 3.04% | 3.59% | 3,114 |
| Q3 2024 | $25.2M | $21.8M | $17.8M | $3.2M | $243K | 1.29% | 2.70% | 2.41% | 3,141 |
| Q2 2024 | $15.1M | $13.4M | $9.8M | $1.7M | $165K | 2.18% | 3.30% | 4.46% |
| 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 | -2.5% | 4.1% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,257 |
Loan mix (Q1 2026): real estate $5.3M · commercial $0 · consumer $7.0M · securities $5.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.8% | 81.5% | 85th |
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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