| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +1.3% | +1.0 pts |
| Share growth (YoY) | +3.8% | +0.7% | +3.1 pts |
| Loan growth (YoY) | +1.7% | -2.4% | +4.1 pts |
| ROA | -6.14% | 0.60% | -6.7 pts |
| ROE | -113.2% | 4.1% | -117.3 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.2M | $19.9M | $16.3M | $1.2M | $-325K | -6.14% | 3.61% | 1.30% | 3,263 |
| Q4 2025 | $20.1M | $18.5M | $16.1M | $1.5M | $-463K | -2.30% | 4.16% | 1.11% | 3,242 |
| Q3 2025 | $20.0M | $18.3M | $15.7M | $1.5M | $-423K | -2.82% | 4.11% | 0.66% | 3,227 |
| Q2 2025 | $20.4M | $18.8M | $15.8M | $1.5M | $-395K | -3.88% | 4.77% | 1.63% | 3,212 |
| Q1 2025 | $20.7M | $19.2M | $16.1M | $1.5M | $-444K | -8.58% | 4.60% | 1.99% | 3,176 |
| Q4 2024 | $20.9M | $18.9M | $16.4M | $1.9M | $-199K | -0.95% | 4.67% | 4.32% | 3,417 |
| Q3 2024 | $20.6M | $18.5M | $16.9M | $1.9M | $-487K | -3.16% | 4.94% | 3.72% | 3,143 |
| Q2 2024 | $21.3M | $19.3M | $17.2M | $1.9M | $-203K | -1.91% | 4.66% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -6.14% | 0.60% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -113.2% | 4.1% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3.18% |
| 3,405 |
Loan mix (Q1 2026): real estate $3.0M · commercial $0 · consumer $12.3M · securities $2.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 115.5% | 81.5% | 93th |
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.