| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.7% | +1.3% | -6.0 pts |
| Share growth (YoY) | -4.8% | +0.7% | -5.5 pts |
| Loan growth (YoY) | -24.2% | -2.4% | -21.9 pts |
| ROA | -0.28% | 0.60% | -0.9 pts |
| ROE | -3.4% | 4.1% | -7.5 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 | $15.0M | $13.6M | $4.8M | $1.3M | $-11K | -0.28% | 3.95% | 0.99% | 1,906 |
| Q4 2025 | $15.4M | $14.0M | $5.3M | $1.3M | $-55K | -0.36% | 3.85% | 0.67% | 1,916 |
| Q3 2025 | $15.2M | $13.8M | $5.6M | $1.3M | $-12K | -0.10% | 3.78% | 0.33% | 1,930 |
| Q2 2025 | $15.6M | $14.2M | $6.0M | $1.3M | $1K | 0.02% | 3.61% | 0.80% | 1,948 |
| Q1 2025 | $15.7M | $14.3M | $6.4M | $1.3M | $-4K | -0.10% | 3.63% | 0.74% | 1,952 |
| Q4 2024 | $15.0M | $13.6M | $6.7M | $1.3M | $-40K | -0.27% | 3.62% | 0.93% | 1,972 |
| Q3 2024 | $15.3M | $13.9M | $6.0M | $1.3M | $-51K | -0.44% | 3.44% | 0.96% | 1,971 |
| Q2 2024 | $15.5M | $14.0M | $6.5M | $1.3M | $-27K | -0.35% | 3.36% | 0.66% |
| 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 | -3.4% | 4.1% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,005 |
Loan mix (Q1 2026): real estate $1.2M · commercial $0 · consumer $3.6M · securities $7.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 103.7% | 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% |
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