| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +1.3% | +3.1 pts |
| Share growth (YoY) | +5.5% | +0.7% | +4.9 pts |
| Loan growth (YoY) | -1.0% | -2.4% | +1.3 pts |
| ROA | -0.49% | 0.60% | -1.1 pts |
| ROE | -2.4% | 4.1% | -6.5 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 | $15.1M | $11.9M | $9.6M | $3.1M | $-19K | -0.49% | 5.07% | 0.48% | 4,634 |
| Q4 2025 | $15.3M | $12.1M | $9.9M | $3.1M | $157K | 1.03% | 5.10% | 0.26% | 4,925 |
| Q3 2025 | $14.5M | $11.3M | $10.2M | $3.1M | $130K | 1.20% | 5.33% | 0.52% | 4,961 |
| Q2 2025 | $14.5M | $11.3M | $9.9M | $3.1M | $149K | 2.06% | 5.19% | 0.78% | 5,691 |
| Q1 2025 | $14.4M | $11.3M | $9.7M | $3.1M | $111K | 3.08% | 5.12% | 0.58% | 4,966 |
| Q4 2024 | $13.7M | $10.7M | $9.7M | $3.0M | $17K | 0.12% | 5.86% | 0.77% | 5,794 |
| Q3 2024 | $13.9M | $10.9M | $9.4M | $3.0M | $17K | 0.16% | 5.85% | 0.22% | 5,891 |
| Q2 2024 | $14.9M | $12.0M | $9.4M | $3.0M | $-19K | -0.26% | 5.42% | 0.63% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.49% | 0.60% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -2.4% | 4.1% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.07% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,876 |
Loan mix (Q1 2026): real estate $0 · commercial $910K · consumer $8.1M · securities $3.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.0% | 81.5% | 88th |
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.