| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +1.3% | -2.0 pts |
| Share growth (YoY) | -1.0% | +0.7% | -1.7 pts |
| Loan growth (YoY) | -9.6% | -2.4% | -7.2 pts |
| ROA | 0.22% | 0.60% | -0.4 pts |
| ROE | 1.2% | 4.1% | -2.9 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $57.0M | $46.6M | $26.1M | $10.2M | $31K | 0.22% | 2.69% | 1.23% | 4,215 |
| Q4 2025 | $54.7M | $44.5M | $27.0M | $10.1M | $-13K | -0.02% | 2.51% | 1.36% | 4,244 |
| Q3 2025 | $55.8M | $45.5M | $27.9M | $10.2M | $-37K | -0.09% | 2.42% | 1.19% | 4,313 |
| Q2 2025 | $56.4M | $45.8M | $28.6M | $10.2M | $-26K | -0.09% | 1.45% | 0.89% | 4,349 |
| Q1 2025 | $57.4M | $47.0M | $28.8M | $10.2M | $-29K | -0.20% | 2.09% | 0.60% | 4,396 |
| Q4 2024 | $54.7M | $44.1M | $30.1M | $10.2M | $-91K | -0.17% | 2.64% | 0.77% | 4,444 |
| Q3 2024 | $55.4M | $45.2M | $30.6M | $10.3M | $-97K | -0.23% | 2.41% | 0.72% | 4,500 |
| Q2 2024 | $57.0M | $46.5M | $31.1M | $10.3M | $-89K | -0.31% | 2.33% | 0.61% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.60% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 4.1% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.69% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,533 |
Loan mix (Q1 2026): real estate $8.1M · commercial $0 · consumer $17.2M · securities $23.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.7% | 81.5% | 68th |
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.