| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +1.3% | +1.4 pts |
| Share growth (YoY) | +3.5% | +0.7% | +2.8 pts |
| Loan growth (YoY) | -2.2% | -2.4% | +0.2 pts |
| ROA | -0.13% | 0.60% | -0.7 pts |
| ROE | -1.1% | 4.1% | -5.2 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.0M | $18.3M | $9.3M | $2.6M | $-7K | -0.13% | 3.51% | 2.24% | 1,985 |
| Q4 2025 | $20.6M | $17.8M | $9.6M | $2.6M | $63K | 0.31% | 4.14% | 2.67% | 2,017 |
| Q3 2025 | $20.7M | $17.5M | $9.5M | $2.6M | $81K | 0.52% | 4.22% | 2.54% | 2,038 |
| Q2 2025 | $20.6M | $17.8M | $9.6M | $2.6M | $56K | 0.54% | 4.28% | 2.78% | 2,038 |
| Q1 2025 | $20.5M | $17.7M | $9.5M | $2.6M | $18K | 0.35% | 4.47% | 2.97% | 2,152 |
| Q4 2024 | $19.6M | $17.0M | $9.8M | $2.5M | $144K | 0.73% | 4.48% | 2.67% | 2,235 |
| Q3 2024 | $19.6M | $17.0M | $10.0M | $2.5M | $118K | 0.80% | 4.51% | 2.20% | 2,324 |
| Q2 2024 | $20.5M | $17.8M | $10.2M | $2.5M | $95K | 0.93% | 4.33% | 1.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.13% | 0.60% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -1.1% | 4.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,357 |
Loan mix (Q1 2026): real estate $1.6M · commercial $0 · consumer $6.8M · securities $4.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 102.8% | 81.5% | 87th |
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.