| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +1.8% | +0.7% | +1.2 pts |
| Loan growth (YoY) | -6.1% | -2.4% | -3.8 pts |
| ROA | -0.10% | 0.60% | -0.7 pts |
| ROE | -0.8% | 4.1% | -4.9 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $60.1M | $50.2M | $24.9M | $7.1M | $-15K | -0.10% | 3.03% | 0.05% | 4,437 |
| Q4 2025 | $59.8M | $49.9M | $26.1M | $7.2M | $367K | 0.61% | 2.94% | 0.46% | 4,479 |
| Q3 2025 | $59.7M | $50.2M | $25.9M | $7.0M | $205K | 0.46% | 2.91% | 0.21% | 4,521 |
| Q2 2025 | $60.0M | $50.8M | $26.0M | $6.9M | $104K | 0.35% | 2.86% | 0.16% | 4,546 |
| Q1 2025 | $58.4M | $49.3M | $26.6M | $6.9M | $34K | 0.23% | 2.89% | 0.11% | 4,574 |
| Q4 2024 | $59.5M | $50.7M | $27.6M | $6.8M | $95K | 0.16% | 2.81% | 1.25% | 4,599 |
| Q3 2024 | $59.2M | $50.6M | $28.4M | $6.8M | $-26K | -0.06% | 2.79% | 0.91% | 4,646 |
| Q2 2024 | $60.8M | $51.8M | $28.5M | $6.8M | $79K | 0.26% | 2.68% | 1.54% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.10% | 0.60% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -0.8% | 4.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,627 |
Loan mix (Q1 2026): real estate $14.7M · commercial $333K · consumer $8.1M · securities $25.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 103.5% | 81.5% | 87th |
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.