| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +1.3% | -1.7 pts |
| Share growth (YoY) | -0.7% | +0.7% | -1.4 pts |
| Loan growth (YoY) | -13.4% | -2.4% | -11.0 pts |
| ROA | -0.01% | 0.60% | -0.6 pts |
| ROE | -0.1% | 4.1% | -4.2 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.1M | $8.0M | $2.4M | $1.0M | $-226 | -0.01% | 4.13% | 2.55% | 1,253 |
| Q4 2025 | $8.9M | $7.8M | $2.5M | $1.0M | $126K | 1.42% | 5.35% | 2.54% | 1,356 |
| Q3 2025 | $9.1M | $8.0M | $2.6M | $1.0M | $23K | 0.34% | 4.09% | 1.93% | 1,304 |
| Q2 2025 | $9.0M | $7.9M | $2.7M | $1.0M | $16K | 0.35% | 4.08% | 1.35% | 1,319 |
| Q1 2025 | $9.1M | $8.1M | $2.8M | $1.0M | $6K | 0.25% | 3.87% | 0.94% | 1,339 |
| Q4 2024 | $8.9M | $7.9M | $2.8M | $1.0M | $18K | 0.20% | 4.03% | 0.72% | 1,373 |
| Q3 2024 | $9.1M | $8.1M | $2.9M | $1.0M | $15K | 0.22% | 3.89% | 1.10% | 1,440 |
| Q2 2024 | $9.3M | $8.1M | $3.0M | $1.0M | $11K | 0.24% | 3.93% | 1.56% | 1,593 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.01% | 0.60% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | -0.1% | 4.1% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $399K · commercial $0 · consumer $1.8M · securities $5.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.2% | 81.5% | 85th |
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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