| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +1.3% | -1.0 pts |
| Share growth (YoY) | +0.8% | +0.7% | +0.1 pts |
| Loan growth (YoY) | -9.4% | -2.4% | -7.0 pts |
| ROA | 0.10% | 0.60% | -0.5 pts |
| ROE | 1.2% | 4.1% | -2.9 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $17.2M | $15.8M | $6.8M | $1.5M | $4K | 0.10% | 2.90% | 1.38% | 1,429 |
| Q4 2025 | $16.5M | $15.1M | $7.0M | $1.5M | $16K | 0.10% | 2.96% | 1.46% | 1,416 |
| Q3 2025 | $16.9M | $15.4M | $7.3M | $1.5M | $11K | 0.09% | 2.83% | 1.12% | 1,418 |
| Q2 2025 | $17.2M | $15.8M | $7.5M | $1.5M | $744 | 0.01% | 2.71% | 1.13% | 1,422 |
| Q1 2025 | $17.2M | $15.7M | $7.5M | $1.5M | $-2K | -0.04% | 2.57% | 1.66% | 1,429 |
| Q4 2024 | $16.5M | $15.0M | $8.0M | $1.5M | $6K | 0.04% | 2.63% | 1.25% | 1,441 |
| Q3 2024 | $16.4M | $14.9M | $8.1M | $1.5M | $11K | 0.09% | 2.64% | 0.68% | 1,420 |
| Q2 2024 | $16.8M | $15.3M | $8.1M | $1.5M | $5K | 0.06% | 2.53% | 0.65% | 1,387 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 0.60% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 4.1% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.90% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.4M · securities $8.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.3% | 81.5% | 81th |
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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