| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.3% | +1.3% | -4.6 pts |
| Share growth (YoY) | -2.1% | +0.7% | -2.8 pts |
| Loan growth (YoY) | -2.7% | -2.4% | -0.4 pts |
| ROA | -1.37% | 0.60% | -2.0 pts |
| ROE | -10.8% | 4.1% | -14.9 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $27.5M | $23.7M | $10.4M | $3.5M | $-94K | -1.37% | 4.19% | 4.01% | 3,802 |
| Q4 2025 | $27.3M | $23.5M | $10.4M | $3.6M | $131K | 0.48% | 4.66% | 6.34% | 3,816 |
| Q3 2025 | $27.3M | $23.6M | $10.4M | $3.7M | $114K | 0.56% | 4.67% | 5.09% | 3,813 |
| Q2 2025 | $28.1M | $24.1M | $10.3M | $3.9M | $353K | 2.51% | 4.62% | 3.03% | 3,827 |
| Q1 2025 | $28.5M | $24.2M | $10.7M | $3.6M | $79K | 1.12% | 4.65% | 1.82% | 3,918 |
| Q4 2024 | $29.1M | $24.4M | $10.4M | $3.9M | $-75K | -0.26% | 4.98% | 3.91% | 3,931 |
| Q3 2024 | $28.9M | $24.3M | $10.6M | $4.0M | $-143K | -0.66% | 5.04% | 2.51% | 3,952 |
| Q2 2024 | $29.2M | $24.6M | $10.9M | $4.1M | $-95K | -0.65% | 5.02% | 5.23% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.37% | 0.60% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -10.8% | 4.1% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,951 |
Loan mix (Q1 2026): real estate $3.9M · commercial $514K · consumer $5.3M · securities $8.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.7% | 81.5% | 90th |
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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