| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | +0.4% | +0.7% | -0.3 pts |
| Loan growth (YoY) | -3.2% | -2.4% | -0.8 pts |
| ROA | -0.06% | 0.60% | -0.7 pts |
| ROE | -0.7% | 4.1% | -4.8 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $64.6M | $58.6M | $31.5M | $6.0M | $-10K | -0.06% | 3.52% | 0.84% | 3,450 |
| Q4 2025 | $64.1M | $58.1M | $32.4M | $6.0M | $40K | 0.06% | 3.37% | 1.63% | 3,483 |
| Q3 2025 | $63.7M | $57.9M | $32.8M | $5.9M | $-22K | -0.05% | 3.33% | 1.34% | 3,494 |
| Q2 2025 | $63.2M | $57.5M | $32.8M | $6.0M | $-14K | -0.04% | 3.29% | 0.92% | 3,530 |
| Q1 2025 | $63.9M | $58.3M | $32.5M | $6.0M | $-11K | -0.07% | 3.15% | 1.09% | 3,547 |
| Q4 2024 | $62.8M | $57.4M | $32.5M | $6.0M | $-79K | -0.13% | 3.15% | 0.20% | 3,556 |
| Q3 2024 | $62.9M | $57.5M | $32.3M | $6.0M | $-65K | -0.14% | 3.12% | 0.02% | 3,566 |
| Q2 2024 | $63.4M | $58.6M | $32.1M | $6.0M | $-55K | -0.17% | 3.10% | 1.69% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.06% | 0.60% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | -0.7% | 4.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,586 |
Loan mix (Q1 2026): real estate $22.4M · commercial $0 · consumer $9.0M · securities $23.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.3% | 81.5% | 82th |
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.