| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +1.3% | -0.1 pts |
| Share growth (YoY) | +1.9% | +0.7% | +1.3 pts |
| Loan growth (YoY) | -10.1% | -2.4% | -7.7 pts |
| ROA | 0.01% | 0.60% | -0.6 pts |
| ROE | 0.0% | 4.1% | -4.1 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.5M | $7.9M | $6.7M | $2.4M | $208 | 0.01% | 4.02% | 3.15% | 776 |
| Q4 2025 | $10.4M | $7.8M | $6.7M | $2.4M | $-28K | -0.27% | 3.84% | 3.59% | 777 |
| Q3 2025 | $10.3M | $7.7M | $6.9M | $2.5M | $-16K | -0.20% | 3.92% | 4.54% | 782 |
| Q2 2025 | $10.5M | $7.9M | $7.2M | $2.4M | $21K | 0.41% | 3.87% | 3.61% | 783 |
| Q1 2025 | $10.3M | $7.7M | $7.4M | $2.4M | $21K | 0.82% | 4.19% | 1.43% | 784 |
| Q4 2024 | $10.4M | $7.7M | $7.6M | $2.4M | $31K | 0.30% | 3.56% | 3.80% | 784 |
| Q3 2024 | $10.6M | $8.0M | $7.4M | $2.4M | $23K | 0.29% | 3.41% | 3.01% | 781 |
| Q2 2024 | $10.2M | $7.7M | $6.9M | $2.4M | $23K | 0.45% | 3.72% | 2.73% | 777 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.01% | 0.60% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 0.0% | 4.1% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $3.6M · commercial $0 · consumer $2.9M · securities $1.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.4% | 81.5% | 83th |
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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