| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +1.3% | -3.9 pts |
| Share growth (YoY) | -3.4% | +0.7% | -4.1 pts |
| Loan growth (YoY) | +14.7% | -2.4% | +17.1 pts |
| ROA | 0.13% | 0.60% | -0.5 pts |
| ROE | 0.5% | 4.1% | -3.6 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $20.7M | $15.1M | $6.9M | $5.5M | $7K | 0.13% | 3.45% | 0.10% | 1,340 |
| Q4 2025 | $21.0M | $15.4M | $7.1M | $5.5M | $2K | 0.01% | 3.23% | 0.02% | 1,333 |
| Q3 2025 | $21.0M | $15.4M | $7.1M | $5.5M | $-7K | -0.05% | 3.11% | 0.00% | 1,337 |
| Q2 2025 | $21.0M | $15.4M | $6.3M | $5.5M | $-14K | -0.13% | 2.98% | 0.30% | 1,349 |
| Q1 2025 | $21.2M | $15.6M | $6.0M | $5.5M | $29K | 0.55% | 3.65% | 0.08% | 1,341 |
| Q4 2024 | $21.1M | $15.5M | $6.1M | $5.5M | $-12K | -0.06% | 3.01% | 0.05% | 1,330 |
| Q3 2024 | $21.5M | $15.8M | $6.2M | $5.5M | $6K | 0.04% | 3.04% | 0.00% | 1,323 |
| Q2 2024 | $22.5M | $16.8M | $6.1M | $5.5M | $-4K | -0.04% | 2.87% | 0.28% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.60% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 4.1% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,314 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.4M · securities $11.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.3% | 81.5% | 75th |
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.