| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +1.3% | +6.0 pts |
| Share growth (YoY) | +8.0% | +0.7% | +7.3 pts |
| Loan growth (YoY) | -1.6% | -2.4% | +0.7 pts |
| ROA | -0.76% | 0.60% | -1.4 pts |
| ROE | -8.2% | 4.1% | -12.3 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $35.7M | $31.9M | $20.9M | $3.3M | $-68K | -0.76% | 3.13% | 0.17% | 3,301 |
| Q4 2025 | $35.2M | $31.6M | $20.6M | $3.4M | $258K | 0.73% | 3.04% | 0.34% | 3,301 |
| Q3 2025 | $33.8M | $30.0M | $20.4M | $3.4M | $230K | 0.91% | 3.11% | 0.13% | 3,318 |
| Q2 2025 | $34.3M | $30.7M | $20.4M | $3.3M | $177K | 1.03% | 2.96% | 0.23% | 3,318 |
| Q1 2025 | $33.2M | $29.6M | $21.2M | $3.3M | $165K | 1.98% | 2.79% | 0.14% | 3,366 |
| Q4 2024 | $30.1M | $26.5M | $21.3M | $3.1M | $149K | 0.50% | 3.98% | 0.47% | 3,420 |
| Q3 2024 | $28.5M | $25.0M | $21.3M | $3.1M | $120K | 0.56% | 4.34% | 0.28% | 3,454 |
| Q2 2024 | $28.0M | $23.9M | $21.8M | $3.0M | $67K | 0.48% | 4.40% | 0.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.76% | 0.60% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -8.2% | 4.1% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,459 |
Loan mix (Q1 2026): real estate $3.8M · commercial $0 · consumer $16.4M · securities $8.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.2% | 81.5% | 85th |
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.