| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +1.3% | +2.1 pts |
| Share growth (YoY) | +1.8% | +0.7% | +1.1 pts |
| Loan growth (YoY) | -2.1% | -2.4% | +0.2 pts |
| ROA | -0.19% | 0.60% | -0.8 pts |
| ROE | -1.4% | 4.1% | -5.5 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.1M | $12.3M | $6.8M | $1.9M | $-7K | -0.19% | 4.58% | 2.02% | 4,370 |
| Q4 2025 | $13.3M | $11.5M | $6.7M | $2.0M | $116K | 0.87% | 4.68% | 2.12% | 4,255 |
| Q3 2025 | $12.7M | $11.0M | $6.8M | $2.0M | $101K | 1.07% | 4.86% | 1.74% | 4,174 |
| Q2 2025 | $13.1M | $11.5M | $6.8M | $2.0M | $124K | 1.89% | 4.72% | 2.07% | 3,981 |
| Q1 2025 | $13.6M | $12.1M | $7.0M | $2.0M | $85K | 2.49% | 4.28% | 2.31% | 3,925 |
| Q4 2024 | $15.1M | $13.7M | $7.2M | $1.9M | $60K | 0.39% | 4.48% | 2.43% | 3,387 |
| Q3 2024 | $14.5M | $13.1M | $7.3M | $2.1M | $89K | 0.82% | 4.64% | 3.21% | 3,220 |
| Q2 2024 | $13.9M | $12.6M | $7.5M | $2.1M | $39K | 0.57% | 4.71% | 2.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.19% | 0.60% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -1.4% | 4.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,070 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.9M · securities $4.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.3% | 81.5% | 85th |
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.