| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +1.3% | +7.5 pts |
| Share growth (YoY) | +11.3% | +0.7% | +10.6 pts |
| Loan growth (YoY) | +2.2% | -2.4% | +4.5 pts |
| ROA | -0.72% | 0.60% | -1.3 pts |
| ROE | -7.7% | 4.1% | -11.8 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $43.8M | $39.1M | $25.2M | $4.1M | $-79K | -0.72% | 3.48% | 0.62% | 4,197 |
| Q4 2025 | $43.3M | $38.5M | $25.5M | $4.2M | $-154K | -0.36% | 3.18% | 0.82% | 4,095 |
| Q3 2025 | $41.1M | $36.3M | $25.0M | $4.2M | $-220K | -0.71% | 3.32% | 0.59% | 3,990 |
| Q2 2025 | $41.5M | $36.2M | $24.6M | $4.5M | $89K | 0.43% | 3.29% | 1.78% | 3,856 |
| Q1 2025 | $40.2M | $35.1M | $24.7M | $4.4M | $46K | 0.46% | 3.19% | 1.52% | 3,846 |
| Q4 2024 | $39.3M | $33.9M | $24.1M | $4.4M | $12K | 0.03% | 3.29% | 0.80% | 3,756 |
| Q3 2024 | $39.4M | $34.0M | $23.7M | $4.4M | $9K | 0.03% | 3.25% | 0.69% | 3,664 |
| Q2 2024 | $37.8M | $32.2M | $22.7M | $4.4M | $15K | 0.08% | 3.35% | 0.70% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.72% | 0.60% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -7.7% | 4.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,558 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $20.6M · securities $7.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.7% | 81.5% | 79th |
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.