| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +1.3% | -1.9 pts |
| Share growth (YoY) | -1.5% | +0.7% | -2.1 pts |
| Loan growth (YoY) | +0.6% | -2.4% | +2.9 pts |
| ROA | 0.10% | 0.60% | -0.5 pts |
| ROE | 1.0% | 4.1% | -3.1 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 | $55.9M | $50.1M | $33.9M | $5.6M | $13K | 0.10% | 3.37% | 0.29% | 5,458 |
| Q4 2025 | $55.4M | $49.6M | $34.5M | $5.6M | $329K | 0.59% | 3.39% | 0.79% | 5,431 |
| Q3 2025 | $54.4M | $48.7M | $35.1M | $5.5M | $212K | 0.52% | 3.45% | 0.45% | 5,429 |
| Q2 2025 | $57.0M | $51.3M | $34.9M | $5.4M | $159K | 0.56% | 3.22% | 0.23% | 5,434 |
| Q1 2025 | $56.2M | $50.9M | $33.7M | $5.3M | $17K | 0.12% | 3.13% | 0.12% | 5,419 |
| Q4 2024 | $54.5M | $48.9M | $33.9M | $5.4M | $-132K | -0.24% | 3.08% | 0.62% | 5,420 |
| Q3 2024 | $54.8M | $49.2M | $34.7M | $5.3M | $-212K | -0.52% | 2.96% | 0.36% | 5,451 |
| Q2 2024 | $57.5M | $51.8M | $35.0M | $5.4M | $-102K | -0.36% | 2.82% | 0.59% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 0.60% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 4.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,564 |
Loan mix (Q1 2026): real estate $6.4M · commercial $0 · consumer $23.7M · securities $10.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.2% | 81.5% | 69th |
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.