| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +1.3% | +7.0 pts |
| Share growth (YoY) | +9.8% | +0.7% | +9.1 pts |
| Loan growth (YoY) | +1.6% | -2.4% | +4.0 pts |
| ROA | -0.35% | 0.60% | -1.0 pts |
| ROE | -3.2% | 4.1% | -7.3 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.3M | $16.3M | $13.1M | $2.0M | $-16K | -0.35% | 3.13% | 0.11% | 1,406 |
| Q4 2025 | $18.6M | $16.6M | $13.9M | $2.0M | $-10K | -0.05% | 3.32% | 0.25% | 1,415 |
| Q3 2025 | $18.2M | $16.2M | $13.5M | $2.0M | $-6K | -0.04% | 3.42% | 0.00% | 1,405 |
| Q2 2025 | $18.8M | $16.8M | $13.0M | $2.0M | $13K | 0.14% | 3.44% | 0.00% | 1,389 |
| Q1 2025 | $16.9M | $14.8M | $12.9M | $2.0M | $22K | 0.51% | 4.19% | 0.00% | 1,388 |
| Q4 2024 | $17.6M | $15.6M | $13.0M | $2.0M | $110K | 0.62% | 3.78% | 0.06% | 1,388 |
| Q3 2024 | $16.8M | $14.8M | $13.9M | $2.0M | $91K | 0.72% | 4.00% | 0.00% | 1,393 |
| Q2 2024 | $17.1M | $15.1M | $14.0M | $2.0M | $60K | 0.70% | 4.00% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.35% | 0.60% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -3.2% | 4.1% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,390 |
Loan mix (Q1 2026): real estate $4.9M · commercial $0 · consumer $7.5M · securities $1.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 110.0% | 81.5% | 91th |
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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