| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.4% | +1.3% | -6.7 pts |
| Share growth (YoY) | -3.5% | +0.7% | -4.1 pts |
| Loan growth (YoY) | -12.9% | -2.4% | -10.6 pts |
| ROA | -2.43% | 0.60% | -3.0 pts |
| ROE | -12.7% | 4.1% | -16.8 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.0M | $6.7M | $4.2M | $1.5M | $-49K | -2.43% | 4.72% | 2.61% | 1,416 |
| Q4 2025 | $8.0M | $6.7M | $4.4M | $1.6M | $-162K | -2.03% | 5.16% | 3.97% | 1,417 |
| Q3 2025 | $8.2M | $6.7M | $4.5M | $1.6M | $-113K | -1.84% | 5.08% | 0.58% | 1,416 |
| Q2 2025 | $8.5M | $7.0M | $4.8M | $1.7M | $-83K | -1.95% | 4.90% | 0.51% | 1,433 |
| Q1 2025 | $8.5M | $7.0M | $4.8M | $1.7M | $-38K | -1.79% | 4.87% | 0.53% | 1,430 |
| Q4 2024 | $8.2M | $6.7M | $4.9M | $1.7M | $-93K | -1.14% | 5.36% | 1.42% | 1,427 |
| Q3 2024 | $8.3M | $6.8M | $5.1M | $1.8M | $-48K | -0.76% | 5.34% | 1.26% | 1,435 |
| Q2 2024 | $8.6M | $7.0M | $5.3M | $1.8M | $-14K | -0.33% | 5.24% | 0.72% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.43% | 0.60% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -12.7% | 4.1% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,455 |
Loan mix (Q1 2026): real estate $1.1M · commercial $0 · consumer $2.5M · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 139.3% | 81.5% | 97th |
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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