| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +1.3% | -5.8 pts |
| Share growth (YoY) | -4.0% | +0.7% | -4.7 pts |
| Loan growth (YoY) | -7.5% | -2.4% | -5.2 pts |
| ROA | -4.42% | 0.60% | -5.0 pts |
| ROE | -41.8% | 4.1% | -45.9 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $31.5M | $28.0M | $12.3M | $3.3M | $-348K | -4.42% | 4.88% | 3.08% | 6,544 |
| Q4 2025 | $30.9M | $27.0M | $13.6M | $3.7M | $185K | 0.60% | 5.31% | 4.28% | 7,332 |
| Q3 2025 | $31.3M | $27.2M | $13.6M | $3.8M | $264K | 1.12% | 5.15% | 3.67% | 7,349 |
| Q2 2025 | $31.9M | $28.0M | $14.2M | $3.5M | $-1K | -0.01% | 5.04% | 2.04% | 7,415 |
| Q1 2025 | $33.0M | $29.2M | $13.3M | $3.6M | $101K | 1.22% | 4.79% | 2.91% | 7,435 |
| Q4 2024 | $30.9M | $27.2M | $14.5M | $3.5M | $98K | 0.32% | 5.15% | 2.14% | 7,491 |
| Q3 2024 | $31.4M | $27.6M | $14.4M | $3.5M | $126K | 0.54% | 4.99% | 1.58% | 7,500 |
| Q2 2024 | $34.1M | $30.0M | $15.2M | $3.5M | $62K | 0.36% | 4.53% | 1.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.42% | 0.60% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -41.8% | 4.1% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.88% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,572 |
Loan mix (Q1 2026): real estate $2.5M · commercial $0 · consumer $9.8M · securities $12.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.4% | 81.5% | 83th |
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.