| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +1.3% | +0.2 pts |
| Share growth (YoY) | +1.8% | +0.7% | +1.1 pts |
| Loan growth (YoY) | -2.2% | -2.4% | +0.2 pts |
| ROA | -1.58% | 0.60% | -2.2 pts |
| ROE | -16.4% | 4.1% | -20.5 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $71.9M | $66.0M | $38.2M | $6.9M | $-284K | -1.58% | 3.32% | 2.26% | 5,253 |
| Q4 2025 | $69.2M | $62.9M | $38.9M | $7.2M | $-336K | -0.49% | 3.27% | 2.07% | 5,282 |
| Q3 2025 | $70.7M | $64.5M | $40.5M | $7.3M | $-291K | -0.55% | 3.13% | 1.61% | 5,328 |
| Q2 2025 | $73.2M | $67.0M | $39.5M | $7.4M | $-167K | -0.46% | 2.95% | 1.42% | 5,349 |
| Q1 2025 | $70.9M | $64.8M | $39.0M | $7.5M | $-94K | -0.53% | 2.97% | 1.25% | 5,346 |
| Q4 2024 | $69.8M | $63.6M | $39.5M | $7.6M | $-256K | -0.37% | 3.18% | 1.10% | 5,364 |
| Q3 2024 | $68.6M | $62.2M | $40.0M | $7.8M | $-104K | -0.20% | 3.24% | 0.79% | 5,374 |
| Q2 2024 | $72.7M | $64.5M | $39.8M | $7.8M | $-72K | -0.20% | 3.03% | 0.79% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.58% | 0.60% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -16.4% | 4.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,378 |
Loan mix (Q1 2026): real estate $20.1M · commercial $0 · consumer $11.5M · securities $24.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.0% | 81.5% | 80th |
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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