| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +1.3% | -4.7 pts |
| Share growth (YoY) | -4.0% | +0.7% | -4.7 pts |
| Loan growth (YoY) | -2.5% | -2.4% | -0.1 pts |
| ROA | -0.41% | 0.60% | -1.0 pts |
| ROE | -3.3% | 4.1% | -7.4 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.6M | $12.7M | $11.9M | $1.8M | $-15K | -0.41% | 6.05% | 0.96% | 1,986 |
| Q4 2025 | $14.4M | $12.5M | $12.3M | $1.8M | $32K | 0.22% | 6.46% | 1.30% | 1,952 |
| Q3 2025 | $14.5M | $12.5M | $12.5M | $1.9M | $53K | 0.48% | 6.43% | 0.89% | 1,931 |
| Q2 2025 | $15.0M | $13.0M | $12.7M | $1.9M | $110K | 1.46% | 6.44% | 1.10% | 1,933 |
| Q1 2025 | $15.1M | $13.2M | $12.2M | $1.8M | $42K | 1.11% | 6.10% | 0.21% | 1,916 |
| Q4 2024 | $15.2M | $13.4M | $12.6M | $1.8M | $82K | 0.54% | 6.23% | 0.62% | 1,912 |
| Q3 2024 | $15.6M | $13.6M | $12.8M | $1.9M | $126K | 1.08% | 6.12% | 0.17% | 1,877 |
| Q2 2024 | $15.5M | $13.5M | $13.2M | $1.8M | $205K | 2.66% | 6.18% | 0.43% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.41% | 0.60% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -3.3% | 4.1% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.05% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,875 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $10.9M · securities $251K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.5% | 81.5% | 72th |
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.