| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +1.3% | +1.5 pts |
| Share growth (YoY) | +0.4% | +0.7% | -0.2 pts |
| Loan growth (YoY) | -10.3% | -2.4% | -7.9 pts |
| ROA | -0.21% | 0.60% | -0.8 pts |
| ROE | -2.5% | 4.1% | -6.6 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $29.9M | $26.8M | $14.0M | $2.5M | $-16K | -0.21% | 4.03% | 0.67% | 3,987 |
| Q4 2025 | $29.4M | $26.4M | $14.1M | $2.5M | $163K | 0.56% | 4.07% | 0.52% | 3,999 |
| Q3 2025 | $29.3M | $26.7M | $14.1M | $2.5M | $155K | 0.70% | 4.07% | 0.61% | 4,038 |
| Q2 2025 | $29.1M | $26.5M | $15.2M | $2.5M | $100K | 0.69% | 4.00% | 0.55% | 4,046 |
| Q1 2025 | $29.1M | $26.6M | $15.6M | $2.4M | $25K | 0.34% | 3.92% | 0.23% | 3,994 |
| Q4 2024 | $27.4M | $25.0M | $15.5M | $2.4M | $17K | 0.06% | 4.24% | 0.05% | 4,056 |
| Q3 2024 | $27.7M | $25.3M | $15.4M | $2.4M | $11K | 0.05% | 4.13% | 0.07% | 4,134 |
| Q2 2024 | $27.9M | $25.6M | $16.0M | $2.3M | $-30K | -0.21% | 4.02% | 0.25% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.21% | 0.60% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -2.5% | 4.1% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,224 |
Loan mix (Q1 2026): real estate $6.1M · commercial $1.3M · consumer $6.6M · securities $12.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.8% | 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% |
The full ratio pack is part of CharterBench Pro.