| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.8% | +1.3% | -6.1 pts |
| Share growth (YoY) | -7.5% | +0.7% | -8.2 pts |
| Loan growth (YoY) | -21.5% | -2.4% | -19.2 pts |
| ROA | 0.37% | 0.60% | -0.2 pts |
| ROE | 1.3% | 4.1% | -2.8 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.3M | $8.6M | $2.6M | $3.6M | $11K | 0.37% | 2.63% | 0.72% | 723 |
| Q4 2025 | $12.4M | $8.8M | $2.8M | $3.6M | $94K | 0.76% | 2.87% | 0.48% | 724 |
| Q3 2025 | $12.5M | $8.9M | $3.0M | $3.6M | $75K | 0.80% | 2.88% | 0.03% | 727 |
| Q2 2025 | $12.3M | $8.8M | $3.0M | $3.5M | $54K | 0.87% | 2.97% | 0.14% | 721 |
| Q1 2025 | $12.9M | $9.3M | $3.3M | $3.5M | $32K | 1.00% | 3.09% | 0.09% | 751 |
| Q4 2024 | $13.1M | $9.6M | $3.4M | $3.5M | $93K | 0.71% | 2.62% | 0.00% | 748 |
| Q3 2024 | $14.0M | $10.5M | $3.5M | $3.5M | $63K | 0.60% | 2.47% | 0.00% | 750 |
| Q2 2024 | $14.2M | $10.7M | $3.8M | $3.4M | $33K | 0.46% | 2.33% | 0.00% | 757 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 0.60% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 4.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.63% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $830K · commercial $0 · consumer $1.6M · securities $8.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.2% | 81.5% | 61th |
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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