| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +1.3% | -5.7 pts |
| Share growth (YoY) | -5.8% | +0.7% | -6.4 pts |
| Loan growth (YoY) | -8.1% | -2.4% | -5.8 pts |
| ROA | -0.48% | 0.60% | -1.1 pts |
| ROE | -6.5% | 4.1% | -10.6 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.2M | $24.2M | $6.6M | $1.9M | $-30K | -0.48% | 2.05% | 0.09% | 1,186 |
| Q4 2025 | $25.6M | $24.4M | $6.7M | $1.9M | $16K | 0.06% | 2.11% | 1.81% | 1,208 |
| Q3 2025 | $25.9M | $24.9M | $6.9M | $1.9M | $21K | 0.11% | 2.08% | 1.40% | 1,633 |
| Q2 2025 | $26.2M | $25.3M | $7.3M | $1.9M | $19K | 0.14% | 1.99% | 1.43% | 1,648 |
| Q1 2025 | $26.4M | $25.6M | $7.2M | $1.8M | $-39K | -0.59% | 1.68% | 0.81% | 1,671 |
| Q4 2024 | $26.8M | $26.1M | $7.6M | $1.9M | $-131K | -0.49% | 1.87% | 0.83% | 1,697 |
| Q3 2024 | $26.9M | $26.0M | $7.9M | $1.9M | $-76K | -0.37% | 1.84% | 1.29% | 1,716 |
| Q2 2024 | $26.1M | $25.6M | $8.5M | $2.0M | $-27K | -0.21% | 1.96% | 1.38% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.48% | 0.60% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -6.5% | 4.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.05% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,738 |
Loan mix (Q1 2026): real estate $4.7M · commercial $0 · consumer $1.9M · securities $17.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 115.2% | 81.5% | 93th |
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.