| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.9% | +1.3% | -4.2 pts |
| Share growth (YoY) | -3.1% | +0.7% | -3.7 pts |
| Loan growth (YoY) | -4.6% | -2.4% | -2.3 pts |
| ROA | -0.14% | 0.60% | -0.7 pts |
| ROE | -1.9% | 4.1% | -6.0 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $54.6M | $50.3M | $41.5M | $4.0M | $-19K | -0.14% | 3.96% | 0.32% | 4,434 |
| Q4 2025 | $55.9M | $51.6M | $41.6M | $4.0M | $-64K | -0.11% | 3.87% | 0.61% | 5,632 |
| Q3 2025 | $55.4M | $51.1M | $42.0M | $4.0M | $-76K | -0.18% | 3.86% | 0.71% | 5,651 |
| Q2 2025 | $55.9M | $51.5M | $42.7M | $3.9M | $-98K | -0.35% | 3.77% | 0.79% | 5,683 |
| Q1 2025 | $56.3M | $51.9M | $43.5M | $4.0M | $-60K | -0.43% | 3.66% | 0.40% | 5,728 |
| Q4 2024 | $58.2M | $54.2M | $46.0M | $3.9M | $-471K | -0.81% | 3.45% | 0.63% | 5,748 |
| Q3 2024 | $60.2M | $56.0M | $48.9M | $4.0M | $-352K | -0.78% | 3.30% | 0.17% | 5,752 |
| Q2 2024 | $62.4M | $57.9M | $51.2M | $4.1M | $-229K | -0.74% | 3.15% | 0.42% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.14% | 0.60% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -1.9% | 4.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,766 |
Loan mix (Q1 2026): real estate $15.9M · commercial $0 · consumer $24.6M · securities $7.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.2% | 81.5% | 75th |
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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