| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +3.0% | +0.7% | +2.3 pts |
| Loan growth (YoY) | -1.0% | -2.4% | +1.4 pts |
| ROA | -0.39% | 0.60% | -1.0 pts |
| ROE | -5.0% | 4.1% | -9.1 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.0M | $25.0M | $2.3M | $1.9M | $-24K | -0.39% | 2.55% | 0.78% | 1,247 |
| Q4 2025 | $25.1M | $25.1M | $2.4M | $2.0M | $-295K | -1.18% | 2.16% | 0.97% | 1,367 |
| Q3 2025 | $23.5M | $23.5M | $2.4M | $2.0M | $-281K | -1.60% | 2.23% | 0.47% | 1,374 |
| Q2 2025 | $23.9M | $24.0M | $2.3M | $2.0M | $-260K | -2.18% | 2.00% | 0.84% | 1,378 |
| Q1 2025 | $24.3M | $24.3M | $2.3M | $2.2M | $-23K | -0.38% | 1.89% | 3.19% | 1,425 |
| Q4 2024 | $23.8M | $24.0M | $2.4M | $2.3M | $-66K | -0.28% | 2.02% | 3.81% | 1,444 |
| Q3 2024 | $24.3M | $23.7M | $2.6M | $2.3M | $-45K | -0.25% | 1.97% | 3.90% | 1,457 |
| Q2 2024 | $24.6M | $24.9M | $2.7M | $2.3M | $-43K | -0.35% | 1.84% | 0.52% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.39% | 0.60% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -5.0% | 4.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.55% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,471 |
Loan mix (Q1 2026): real estate $1.1M · commercial $0 · consumer $1.1M · securities $18.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 114.5% | 81.5% | 93th |
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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