| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +1.3% | -3.8 pts |
| Share growth (YoY) | -3.3% | +0.7% | -4.0 pts |
| Loan growth (YoY) | -8.8% | -2.4% | -6.5 pts |
| ROA | 0.02% | 0.60% | -0.6 pts |
| ROE | 0.1% | 4.1% | -4.0 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $24.0M | $19.5M | $13.5M | $4.5M | $1K | 0.02% | 3.41% | 0.16% | 3,121 |
| Q4 2025 | $23.0M | $18.4M | $14.2M | $4.5M | $32K | 0.14% | 3.72% | 0.58% | 3,133 |
| Q3 2025 | $23.5M | $18.9M | $14.3M | $4.5M | $29K | 0.16% | 3.68% | 0.52% | 3,149 |
| Q2 2025 | $25.6M | $21.1M | $14.3M | $4.5M | $27K | 0.21% | 3.38% | 0.35% | 3,166 |
| Q1 2025 | $24.7M | $20.1M | $14.8M | $4.5M | $5K | 0.08% | 3.28% | 0.34% | 3,207 |
| Q4 2024 | $24.4M | $19.9M | $15.2M | $4.5M | $44K | 0.18% | 3.49% | 0.19% | 3,211 |
| Q3 2024 | $24.7M | $20.1M | $15.3M | $4.4M | $16K | 0.09% | 3.38% | 0.37% | 3,238 |
| Q2 2024 | $26.4M | $21.7M | $15.4M | $4.5M | $72K | 0.54% | 3.13% | 0.56% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 0.60% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 4.1% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,277 |
Loan mix (Q1 2026): real estate $4.9M · commercial $0 · consumer $8.6M · securities $7.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.3% | 81.5% | 67th |
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.