| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.9% | +1.3% | -5.2 pts |
| Share growth (YoY) | -2.7% | +0.7% | -3.4 pts |
| Loan growth (YoY) | +0.4% | -2.4% | +2.8 pts |
| ROA | -3.28% | 0.60% | -3.9 pts |
| ROE | -27.3% | 4.1% | -31.4 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.2M | $14.1M | $13.3M | $1.9M | $-133K | -3.28% | 4.10% | 1.66% | 1,393 |
| Q4 2025 | $16.4M | $14.1M | $13.7M | $2.1M | $20K | 0.12% | 4.04% | 2.67% | 1,397 |
| Q3 2025 | $16.1M | $13.8M | $14.0M | $2.1M | $45K | 0.37% | 4.07% | 1.50% | 1,401 |
| Q2 2025 | $16.0M | $13.7M | $13.7M | $2.2M | $65K | 0.82% | 4.06% | 1.05% | 1,379 |
| Q1 2025 | $16.9M | $14.5M | $13.3M | $2.1M | $46K | 1.10% | 3.74% | 1.36% | 1,384 |
| Q4 2024 | $16.6M | $14.3M | $13.0M | $2.1M | $50K | 0.30% | 3.48% | 0.97% | 1,377 |
| Q3 2024 | $16.5M | $14.2M | $13.2M | $2.1M | $46K | 0.37% | 3.46% | 1.35% | 1,368 |
| Q2 2024 | $16.0M | $13.6M | $13.7M | $2.1M | $46K | 0.58% | 3.49% | 1.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.28% | 0.60% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -27.3% | 4.1% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,364 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $12.7M · securities $437
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.2% | 81.5% | 80th |
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.