| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +1.3% | -2.6 pts |
| Share growth (YoY) | -2.0% | +0.7% | -2.6 pts |
| Loan growth (YoY) | -0.8% | -2.4% | +1.5 pts |
| ROA | 0.16% | 0.60% | -0.4 pts |
| ROE | 1.4% | 4.1% | -2.7 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $29.8M | $25.9M | $15.2M | $3.5M | $12K | 0.16% | 3.03% | 0.01% | 1,862 |
| Q4 2025 | $29.7M | $26.1M | $15.2M | $3.5M | $-8K | -0.03% | 2.89% | 0.00% | 1,871 |
| Q3 2025 | $29.4M | $25.7M | $14.9M | $3.5M | $-12K | -0.05% | 2.91% | 0.00% | 1,883 |
| Q2 2025 | $29.8M | $26.1M | $15.0M | $3.5M | $-12K | -0.08% | 2.87% | 0.00% | 1,887 |
| Q1 2025 | $30.2M | $26.4M | $15.4M | $3.5M | $-4K | -0.05% | 2.86% | 0.00% | 1,886 |
| Q4 2024 | $30.2M | $26.6M | $15.6M | $3.5M | $63K | 0.21% | 3.00% | 0.00% | 1,885 |
| Q3 2024 | $29.5M | $25.7M | $16.1M | $3.5M | $72K | 0.33% | 3.14% | 0.00% | 1,888 |
| Q2 2024 | $29.6M | $26.0M | $16.4M | $3.5M | $53K | 0.36% | 3.16% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.16% | 0.60% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 4.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,892 |
Loan mix (Q1 2026): real estate $13.2M · commercial $0 · consumer $1.8M · securities $12.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.0% | 81.5% | 78th |
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.