| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +1.3% | -4.8 pts |
| Share growth (YoY) | -4.3% | +0.7% | -4.9 pts |
| Loan growth (YoY) | -3.7% | -2.4% | -1.4 pts |
| ROA | 0.02% | 0.60% | -0.6 pts |
| ROE | 0.1% | 4.1% | -4.0 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $46.1M | $39.0M | $22.9M | $7.0M | $2K | 0.02% | 2.80% | 0.98% | 2,660 |
| Q4 2025 | $45.9M | $38.8M | $23.1M | $7.0M | $50K | 0.11% | 2.88% | 0.67% | 2,684 |
| Q3 2025 | $45.7M | $38.7M | $23.7M | $7.0M | $54K | 0.16% | 2.94% | 0.83% | 2,706 |
| Q2 2025 | $47.1M | $39.9M | $23.6M | $7.0M | $42K | 0.18% | 2.90% | 0.68% | 2,718 |
| Q1 2025 | $47.8M | $40.7M | $23.8M | $7.0M | $40K | 0.34% | 2.94% | 0.28% | 2,714 |
| Q4 2024 | $48.0M | $40.8M | $24.0M | $6.9M | $98K | 0.20% | 2.74% | 0.85% | 2,731 |
| Q3 2024 | $47.4M | $40.2M | $24.6M | $6.9M | $89K | 0.25% | 2.78% | 1.04% | 2,764 |
| Q2 2024 | $47.7M | $40.5M | $24.4M | $6.9M | $47K | 0.20% | 2.72% | 0.56% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 0.60% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 4.1% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.80% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,783 |
Loan mix (Q1 2026): real estate $15.7M · commercial $92K · consumer $6.1M · securities $17.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.9% | 81.5% | 76th |
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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