| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +1.3% | -4.0 pts |
| Share growth (YoY) | -3.0% | +0.7% | -3.7 pts |
| Loan growth (YoY) | -8.9% | -2.4% | -6.5 pts |
| ROA | 0.09% | 0.60% | -0.5 pts |
| ROE | 0.9% | 4.1% | -3.3 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $61.8M | $53.7M | $30.6M | $6.7M | $14K | 0.09% | 4.13% | 1.61% | 14,429 |
| Q4 2025 | $59.4M | $52.4M | $32.4M | $6.7M | $29K | 0.05% | 4.51% | 1.89% | 14,477 |
| Q3 2025 | $60.7M | $52.1M | $32.6M | $6.8M | $90K | 0.20% | 4.39% | 0.76% | 14,533 |
| Q2 2025 | $63.4M | $55.0M | $32.8M | $6.7M | $79K | 0.25% | 4.15% | 0.96% | 14,728 |
| Q1 2025 | $63.5M | $55.3M | $33.6M | $6.7M | $42K | 0.26% | 4.05% | 1.04% | 14,858 |
| Q4 2024 | $60.4M | $53.3M | $35.1M | $6.7M | $200K | 0.33% | 4.52% | 2.32% | 14,910 |
| Q3 2024 | $62.5M | $53.9M | $36.2M | $6.6M | $87K | 0.19% | 4.37% | 0.82% | 14,964 |
| Q2 2024 | $64.2M | $55.9M | $37.0M | $6.5M | $63K | 0.20% | 4.25% | 0.91% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.09% | 0.60% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 4.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 15,089 |
Loan mix (Q1 2026): real estate $8.0M · commercial $0 · consumer $19.2M · securities $16.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.9% | 81.5% | 75th |
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.