| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +1.3% | -5.8 pts |
| Share growth (YoY) | -4.8% | +0.7% | -5.4 pts |
| Loan growth (YoY) | -5.5% | -2.4% | -3.1 pts |
| ROA | -0.75% | 0.60% | -1.4 pts |
| ROE | -6.5% | 4.1% | -10.6 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $31.4M | $27.6M | $24.5M | $3.6M | $-59K | -0.75% | 3.35% | 0.00% | 1,655 |
| Q4 2025 | $31.9M | $27.9M | $24.8M | $3.7M | $17K | 0.05% | 3.47% | 0.00% | 1,601 |
| Q3 2025 | $31.9M | $27.9M | $25.2M | $3.7M | $-7K | -0.03% | 3.46% | 0.00% | 1,669 |
| Q2 2025 | $32.5M | $28.5M | $25.7M | $3.7M | $-9K | -0.06% | 3.42% | 0.14% | 1,675 |
| Q1 2025 | $32.9M | $29.0M | $25.9M | $3.7M | $-19K | -0.23% | 3.42% | 0.12% | 1,671 |
| Q4 2024 | $34.5M | $30.5M | $26.0M | $3.7M | $-10K | -0.03% | 3.13% | 0.10% | 1,691 |
| Q3 2024 | $33.6M | $29.6M | $25.3M | $3.7M | $-17K | -0.07% | 3.17% | 0.13% | 1,713 |
| Q2 2024 | $30.8M | $26.9M | $25.3M | $3.7M | $-11K | -0.07% | 3.44% | 0.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.75% | 0.60% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -6.5% | 4.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,723 |
Loan mix (Q1 2026): real estate $23.7M · commercial $68K · consumer $732K · securities $2.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 121.0% | 81.5% | 95th |
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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