| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +1.3% | -1.4 pts |
| Share growth (YoY) | +0.2% | +0.7% | -0.4 pts |
| Loan growth (YoY) | -2.0% | -2.4% | +0.4 pts |
| ROA | -0.33% | 0.60% | -0.9 pts |
| ROE | -5.2% | 4.1% | -9.3 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.4M | $23.7M | $21.8M | $1.6M | $-21K | -0.33% | 5.07% | 1.00% | 4,924 |
| Q4 2025 | $25.1M | $23.5M | $22.1M | $1.6M | $19K | 0.08% | 5.51% | 0.99% | 4,965 |
| Q3 2025 | $25.5M | $23.9M | $22.0M | $2.0M | $63K | 0.33% | 5.41% | 0.57% | 4,982 |
| Q2 2025 | $25.4M | $23.7M | $22.4M | $2.0M | $100K | 0.79% | 5.44% | 0.44% | 5,000 |
| Q1 2025 | $25.4M | $23.7M | $22.2M | $2.0M | $87K | 1.38% | 5.43% | 1.50% | 5,014 |
| Q4 2024 | $25.5M | $24.0M | $22.5M | $1.9M | $-187K | -0.73% | 5.62% | 1.43% | 5,029 |
| Q3 2024 | $26.2M | $24.3M | $23.0M | $2.5M | $45K | 0.23% | 5.49% | 1.27% | 5,074 |
| Q2 2024 | $26.3M | $24.4M | $23.1M | $2.5M | $47K | 0.36% | 5.45% | 0.86% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.33% | 0.60% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -5.2% | 4.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.07% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,073 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $20.2M · securities $19K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.7% | 81.5% | 88th |
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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