| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +1.3% | +6.0 pts |
| Share growth (YoY) | +7.7% | +0.7% | +7.0 pts |
| Loan growth (YoY) | +8.6% | -2.4% | +11.0 pts |
| ROA | -3.27% | 0.60% | -3.9 pts |
| ROE | -14.5% | 4.1% | -18.6 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $19.3M | $11.5M | $8.1M | $4.4M | $-158K | -3.27% | 3.13% | 0.72% | 4,125 |
| Q4 2025 | $19.2M | $11.2M | $7.9M | $4.4M | $508K | 2.64% | 3.12% | 0.43% | 4,197 |
| Q3 2025 | $19.0M | $10.7M | $7.9M | $4.6M | $611K | 4.30% | 3.09% | 0.61% | 4,152 |
| Q2 2025 | $18.7M | $10.2M | $7.6M | $6.2M | $531K | 5.67% | 3.02% | 2.09% | 4,178 |
| Q1 2025 | $18.0M | $10.7M | $7.4M | $5.1M | $-637K | -14.16% | 2.46% | 2.28% | 4,191 |
| Q4 2024 | $16.2M | $9.7M | $6.8M | $4.9M | $858K | 5.30% | 2.52% | 2.45% | 4,225 |
| Q3 2024 | $15.9M | $9.6M | $6.4M | $2.7M | $1.0M | 8.58% | 2.56% | 2.28% | 4,248 |
| Q2 2024 | $12.9M | $7.3M | $6.2M | $3.7M | $733K | 11.33% | 3.15% | 0.70% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.27% | 0.60% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -14.5% | 4.1% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,204 |
Loan mix (Q1 2026): real estate $2.8M · commercial $0 · consumer $4.4M · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 111.9% | 81.5% | 92th |
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.