| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +1.3% | -2.8 pts |
| Share growth (YoY) | -1.9% | +0.7% | -2.5 pts |
| Loan growth (YoY) | -19.1% | -2.4% | -16.7 pts |
| ROA | 0.12% | 0.60% | -0.5 pts |
| ROE | 1.5% | 4.1% | -2.6 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.8M | $19.7M | $6.1M | $1.7M | $6K | 0.12% | 3.96% | 0.65% | 3,542 |
| Q4 2025 | $21.3M | $18.9M | $6.7M | $1.7M | $64K | 0.30% | 4.12% | 0.21% | 3,593 |
| Q3 2025 | $22.1M | $19.4M | $7.2M | $1.7M | $50K | 0.30% | 3.98% | 0.16% | 3,658 |
| Q2 2025 | $23.3M | $20.6M | $7.6M | $1.7M | $21K | 0.18% | 3.73% | 0.51% | 3,692 |
| Q1 2025 | $22.1M | $20.1M | $7.5M | $1.6M | $2K | 0.03% | 3.75% | 2.22% | 3,718 |
| Q4 2024 | $21.2M | $19.2M | $8.1M | $1.7M | $18K | 0.09% | 4.38% | 1.15% | 3,751 |
| Q3 2024 | $22.2M | $19.2M | $8.6M | $1.6M | $15K | 0.09% | 4.26% | 0.91% | 3,815 |
| Q2 2024 | $23.3M | $21.3M | $8.9M | $1.6M | $-36K | -0.31% | 4.11% | 0.85% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 0.60% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 4.1% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,934 |
Loan mix (Q1 2026): real estate $1.6M · commercial $0 · consumer $4.3M · securities $13.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.7% | 81.5% | 79th |
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.