| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +1.3% | -3.3 pts |
| Share growth (YoY) | -1.1% | +0.7% | -1.8 pts |
| Loan growth (YoY) | -4.7% | -2.4% | -2.3 pts |
| ROA | -1.39% | 0.60% | -2.0 pts |
| ROE | -7.0% | 4.1% | -11.1 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.8M | $11.7M | $5.1M | $2.9M | $-51K | -1.39% | 4.46% | 2.36% | 3,181 |
| Q4 2025 | $14.4M | $11.2M | $5.5M | $3.0M | $-99K | -0.69% | 4.71% | 2.54% | 3,174 |
| Q3 2025 | $14.6M | $11.5M | $5.4M | $3.0M | $-95K | -0.86% | 4.55% | 2.53% | 3,195 |
| Q2 2025 | $15.1M | $11.9M | $5.4M | $3.0M | $-73K | -0.97% | 4.35% | 2.71% | 3,173 |
| Q1 2025 | $15.1M | $11.9M | $5.4M | $3.0M | $-43K | -1.13% | 4.25% | 3.59% | 3,131 |
| Q4 2024 | $14.8M | $11.6M | $5.6M | $3.1M | $-113K | -0.76% | 4.53% | 1.65% | 3,073 |
| Q3 2024 | $15.3M | $12.1M | $5.7M | $3.1M | $-84K | -0.73% | 4.34% | 3.19% | 3,075 |
| Q2 2024 | $15.5M | $12.2M | $5.7M | $3.1M | $-52K | -0.66% | 4.11% | 3.23% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.39% | 0.60% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -7.0% | 4.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,071 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.8M · securities $7.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.2% | 81.5% | 89th |
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% |
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