| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +1.3% | -2.5 pts |
| Share growth (YoY) | +0.6% | +0.7% | -0.1 pts |
| Loan growth (YoY) | -13.1% | -2.4% | -10.8 pts |
| ROA | -0.28% | 0.60% | -0.9 pts |
| ROE | -2.5% | 4.1% | -6.6 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.6M | $13.1M | $3.8M | $1.7M | $-10K | -0.28% | 3.77% | 0.00% | 1,700 |
| Q4 2025 | $13.9M | $12.4M | $4.2M | $1.7M | $19K | 0.14% | 4.44% | 0.00% | 1,688 |
| Q3 2025 | $14.3M | $12.5M | $4.3M | $1.7M | $63K | 0.59% | 4.59% | 0.00% | 1,679 |
| Q2 2025 | $14.4M | $12.6M | $4.4M | $1.7M | $25K | 0.35% | 4.19% | 0.00% | 1,695 |
| Q1 2025 | $14.8M | $13.0M | $4.4M | $1.6M | $456 | 0.01% | 3.93% | 0.00% | 1,723 |
| Q4 2024 | $14.4M | $12.7M | $4.6M | $1.6M | $90K | 0.62% | 4.55% | 0.22% | 1,756 |
| Q3 2024 | $14.1M | $12.3M | $4.9M | $1.6M | $83K | 0.78% | 4.69% | 0.00% | 1,775 |
| Q2 2024 | $14.7M | $13.0M | $5.1M | $1.6M | $35K | 0.47% | 4.28% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.28% | 0.60% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -2.5% | 4.1% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,786 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.8M · securities $8.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.0% | 81.5% | 89th |
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.