| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +1.3% | -2.2 pts |
| Share growth (YoY) | -1.2% | +0.7% | -1.8 pts |
| Loan growth (YoY) | +3.0% | -2.4% | +5.3 pts |
| ROA | -0.55% | 0.60% | -1.2 pts |
| ROE | -4.0% | 4.1% | -8.1 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 | $57.0M | $49.0M | $37.9M | $7.9M | $-79K | -0.55% | 4.17% | 1.33% | 4,302 |
| Q4 2025 | $56.5M | $48.4M | $37.9M | $7.9M | $66K | 0.12% | 4.22% | 1.30% | 4,020 |
| Q3 2025 | $55.6M | $47.5M | $37.8M | $8.0M | $54K | 0.13% | 4.26% | 1.22% | 4,009 |
| Q2 2025 | $55.7M | $47.6M | $36.9M | $7.9M | $19K | 0.07% | 4.19% | 0.89% | 3,994 |
| Q1 2025 | $57.5M | $49.6M | $36.9M | $7.9M | $-11K | -0.07% | 4.00% | 0.50% | 3,973 |
| Q4 2024 | $55.9M | $47.9M | $37.2M | $7.9M | $263K | 0.47% | 4.10% | 1.04% | 3,970 |
| Q3 2024 | $54.5M | $46.7M | $36.9M | $7.9M | $199K | 0.49% | 4.16% | 0.93% | 3,985 |
| Q2 2024 | $55.2M | $47.2M | $35.8M | $7.8M | $98K | 0.36% | 4.05% | 0.52% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.55% | 0.60% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -4.0% | 4.1% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,992 |
Loan mix (Q1 2026): real estate $14.7M · commercial $60K · consumer $20.9M · securities $2.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 104.1% | 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% |
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