| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +1.3% | -3.1 pts |
| Share growth (YoY) | -1.4% | +0.7% | -2.0 pts |
| Loan growth (YoY) | -7.7% | -2.4% | -5.3 pts |
| ROA | 0.28% | 0.60% | -0.3 pts |
| ROE | 4.1% | 4.1% | -0.0 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $19.4M | $18.0M | $12.5M | $1.3M | $14K | 0.28% | 5.11% | 5.49% | 2,630 |
| Q4 2025 | $19.1M | $17.7M | $12.9M | $1.3M | $76K | 0.40% | 5.35% | 5.51% | 2,656 |
| Q3 2025 | $19.2M | $17.6M | $13.2M | $1.3M | $29K | 0.20% | 5.26% | 0.70% | 2,668 |
| Q2 2025 | $19.9M | $18.4M | $13.6M | $1.3M | $2K | 0.02% | 4.99% | 2.86% | 2,673 |
| Q1 2025 | $19.8M | $18.3M | $13.5M | $1.3M | $12K | 0.25% | 5.12% | 2.88% | 2,554 |
| Q4 2024 | $19.8M | $18.1M | $13.6M | $1.3M | $70 | 0.00% | 5.16% | 0.67% | 2,598 |
| Q3 2024 | $19.4M | $17.5M | $13.9M | $1.2M | $-26K | -0.18% | 5.31% | 0.58% | 2,634 |
| Q2 2024 | $19.8M | $18.2M | $14.5M | $1.2M | $-45K | -0.46% | 5.26% | 0.36% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.60% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.11% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,726 |
Loan mix (Q1 2026): real estate $8.5M · commercial $0 · consumer $4.0M · securities $5.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.2% | 81.5% | 73th |
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.