| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.9 pts |
| Share growth (YoY) | -2.0% | +0.7% | -2.7 pts |
| Loan growth (YoY) | -5.5% | -2.4% | -3.1 pts |
| ROA | 0.21% | 0.60% | -0.4 pts |
| ROE | 1.1% | 4.1% | -3.0 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.2M | $14.8M | $14.4M | $3.3M | $9K | 0.21% | 3.87% | 0.09% | 1,082 |
| Q4 2025 | $18.4M | $15.1M | $14.5M | $3.3M | $30K | 0.16% | 3.91% | 0.32% | 1,087 |
| Q3 2025 | $18.3M | $14.9M | $14.7M | $3.3M | $22K | 0.16% | 3.93% | 0.09% | 1,087 |
| Q2 2025 | $18.6M | $15.3M | $15.1M | $3.3M | $12K | 0.13% | 3.87% | 0.01% | 1,093 |
| Q1 2025 | $18.5M | $15.1M | $15.3M | $3.3M | $8K | 0.18% | 3.80% | 0.00% | 1,096 |
| Q4 2024 | $18.6M | $15.3M | $15.3M | $3.3M | $28K | 0.15% | 3.53% | 0.00% | 1,099 |
| Q3 2024 | $18.7M | $15.4M | $15.4M | $3.3M | $20K | 0.14% | 3.46% | 0.04% | 1,322 |
| Q2 2024 | $18.6M | $15.3M | $15.6M | $3.3M | $16K | 0.17% | 3.53% | 0.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.60% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.1% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,332 |
Loan mix (Q1 2026): real estate $5.8M · commercial $0 · consumer $7.9M · securities $1.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.8% | 81.5% | 72th |
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.