| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +1.3% | +4.8 pts |
| Share growth (YoY) | +6.5% | +0.7% | +5.8 pts |
| Loan growth (YoY) | +10.4% | -2.4% | +12.8 pts |
| ROA | -0.14% | 0.60% | -0.7 pts |
| ROE | -1.2% | 4.1% | -5.3 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 | $19.2M | $17.0M | $10.7M | $2.1M | $-7K | -0.14% | 3.13% | 0.08% | 1,301 |
| Q4 2025 | $18.9M | $16.6M | $10.9M | $2.1M | $127K | 0.67% | 3.17% | 0.00% | 1,313 |
| Q3 2025 | $18.4M | $16.2M | $10.4M | $2.1M | $63K | 0.46% | 3.19% | 0.00% | 1,321 |
| Q2 2025 | $18.1M | $15.9M | $9.8M | $2.1M | $26K | 0.29% | 3.16% | 0.02% | 1,320 |
| Q1 2025 | $18.1M | $16.0M | $9.7M | $2.1M | $2K | 0.05% | 3.06% | 0.00% | 1,330 |
| Q4 2024 | $17.7M | $15.6M | $10.1M | $2.1M | $136K | 0.77% | 3.23% | 0.01% | 1,345 |
| Q3 2024 | $18.0M | $15.9M | $10.3M | $2.0M | $103K | 0.77% | 3.19% | 0.04% | 1,367 |
| Q2 2024 | $17.9M | $15.8M | $10.6M | $2.0M | $59K | 0.66% | 3.17% | 0.00% |
| 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 | -1.2% | 4.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,444 |
Loan mix (Q1 2026): real estate $6.6M · commercial $0 · consumer $4.0M · securities $3.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 104.8% | 81.5% | 88th |
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.