| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | -0.7% | +0.7% | -1.4 pts |
| Loan growth (YoY) | -6.8% | -2.4% | -4.4 pts |
| ROA | 0.85% | 0.60% | +0.2 pts |
| ROE | 5.5% | 4.1% | +1.4 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $23.1M | $19.3M | $9.8M | $3.6M | $49K | 0.85% | 3.86% | 0.28% | 2,094 |
| Q4 2025 | $22.6M | $18.6M | $10.0M | $3.6M | $159K | 0.70% | 3.77% | 0.19% | 2,099 |
| Q3 2025 | $22.6M | $18.9M | $10.0M | $3.5M | $128K | 0.76% | 3.72% | 0.39% | 2,135 |
| Q2 2025 | $23.1M | $19.3M | $10.4M | $3.5M | $78K | 0.68% | 3.54% | 0.23% | 2,154 |
| Q1 2025 | $23.0M | $19.4M | $10.5M | $3.4M | $26K | 0.46% | 3.41% | 0.43% | 2,161 |
| Q4 2024 | $22.5M | $18.8M | $10.7M | $3.4M | $36K | 0.16% | 3.02% | 0.48% | 2,166 |
| Q3 2024 | $22.3M | $18.6M | $10.6M | $3.5M | $97K | 0.58% | 3.40% | 0.42% | 2,188 |
| Q2 2024 | $22.6M | $18.9M | $11.1M | $3.4M | $52K | 0.46% | 3.34% | 0.16% |
| Ratio | Generations Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.60% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 4.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,199 |
Loan mix (Q1 2026): real estate $3.3M · commercial $0 · consumer $6.4M · securities $11.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.9% | 81.5% | 46th |
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 | Generations Credit Union | 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 | Generations Credit Union | 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 | Generations Credit Union | 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 | Generations Credit Union | 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.