| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.3% | +1.3% | -10.6 pts |
| Share growth (YoY) | -11.0% | +0.7% | -11.7 pts |
| Loan growth (YoY) | -13.0% | -2.4% | -10.6 pts |
| ROA | 0.19% | 0.60% | -0.4 pts |
| ROE | 1.2% | 4.1% | -2.9 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.5M | $7.0M | $1.3M | $1.4M | $4K | 0.19% | 2.12% | 1.23% | 869 |
| Q4 2025 | $8.3M | $6.9M | $1.5M | $1.4M | $-2K | -0.03% | 2.05% | 0.01% | 877 |
| Q3 2025 | $8.3M | $6.9M | $1.6M | $1.4M | $-6K | -0.09% | 1.98% | 0.02% | 891 |
| Q2 2025 | $8.9M | $7.5M | $1.5M | $1.4M | $-8K | -0.19% | 1.82% | 0.05% | 899 |
| Q1 2025 | $9.3M | $7.9M | $1.5M | $1.4M | $1K | 0.06% | 1.69% | 0.95% | 909 |
| Q4 2024 | $9.4M | $7.9M | $1.6M | $1.4M | $5K | 0.06% | 1.60% | 1.08% | 909 |
| Q3 2024 | $9.6M | $8.2M | $1.7M | $1.4M | $5K | 0.08% | 1.51% | 1.04% | 921 |
| Q2 2024 | $10.3M | $8.8M | $1.7M | $1.4M | $10K | 0.20% | 1.54% | 0.81% | 642 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.60% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 4.1% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.12% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.3M · securities $5.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.8% | 81.5% | 71th |
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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