| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.8% | +1.3% | -5.1 pts |
| Share growth (YoY) | -4.6% | +0.7% | -5.3 pts |
| Loan growth (YoY) | -4.5% | -2.4% | -2.1 pts |
| ROA | 0.26% | 0.60% | -0.3 pts |
| ROE | 1.7% | 4.1% | -2.4 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.7M | $10.8M | $2.1M | $1.9M | $8K | 0.26% | 2.72% | 3.14% | 1,041 |
| Q4 2025 | $12.8M | $10.9M | $2.1M | $1.9M | $15K | 0.12% | 2.37% | 3.04% | 1,035 |
| Q3 2025 | $13.2M | $11.3M | $2.2M | $1.9M | $8K | 0.08% | 2.23% | 4.11% | 1,041 |
| Q2 2025 | $13.4M | $11.5M | $2.2M | $1.9M | $278 | 0.00% | 2.12% | 3.80% | 1,032 |
| Q1 2025 | $13.2M | $11.3M | $2.2M | $1.9M | $-5K | -0.15% | 2.12% | 2.84% | 1,024 |
| Q4 2024 | $13.1M | $11.2M | $2.4M | $1.9M | $7K | 0.05% | 2.13% | 5.00% | 1,017 |
| Q3 2024 | $13.2M | $11.3M | $2.5M | $1.9M | $5K | 0.05% | 2.11% | 2.70% | 1,017 |
| Q2 2024 | $13.4M | $11.6M | $2.5M | $1.9M | $4K | 0.06% | 2.04% | 2.49% | 1,023 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 0.60% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 4.1% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.72% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $210K · commercial $0 · consumer $1.7M · securities $9.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.5% | 81.5% | 53th |
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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