| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +1.3% | -3.2 pts |
| Share growth (YoY) | -2.9% | +0.7% | -3.6 pts |
| Loan growth (YoY) | -17.4% | -2.4% | -15.1 pts |
| ROA | 0.13% | 0.60% | -0.5 pts |
| ROE | 0.7% | 4.1% | -3.4 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.8M | $13.5M | $2.5M | $3.3M | $6K | 0.13% | 2.44% | 4.88% | 1,045 |
| Q4 2025 | $16.6M | $13.3M | $2.6M | $3.2M | $60K | 0.36% | 2.71% | 3.56% | 1,039 |
| Q3 2025 | $16.5M | $13.2M | $2.9M | $3.3M | $51K | 0.41% | 2.75% | 2.76% | 1,052 |
| Q2 2025 | $17.1M | $13.9M | $3.0M | $3.3M | $33K | 0.39% | 2.62% | 2.97% | 1,072 |
| Q1 2025 | $17.1M | $13.9M | $3.0M | $3.3M | $16K | 0.37% | 2.51% | 2.05% | 1,091 |
| Q4 2024 | $17.1M | $13.8M | $3.3M | $3.2M | $19K | 0.11% | 2.13% | 3.77% | 1,103 |
| Q3 2024 | $17.3M | $14.0M | $3.5M | $3.3M | $7K | 0.05% | 2.06% | 4.21% | 1,212 |
| Q2 2024 | $17.6M | $14.2M | $3.7M | $3.3M | $11K | 0.12% | 2.04% | 6.54% | 1,250 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.60% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 4.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.44% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $810K · commercial $0 · consumer $1.4M · securities $13.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.7% | 81.5% | 78th |
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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