| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.0% | +1.3% | -5.3 pts |
| Share growth (YoY) | -5.4% | +0.7% | -6.0 pts |
| Loan growth (YoY) | -2.5% | -2.4% | -0.2 pts |
| ROA | 0.40% | 0.60% | -0.2 pts |
| ROE | 2.4% | 4.1% | -1.7 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.6M | $17.9M | $8.3M | $3.6M | $21K | 0.40% | 3.30% | 0.11% | 1,277 |
| Q4 2025 | $21.8M | $18.0M | $8.5M | $3.6M | $126K | 0.58% | 3.35% | 0.04% | 1,277 |
| Q3 2025 | $22.2M | $18.6M | $8.5M | $3.6M | $96K | 0.58% | 3.28% | 0.08% | 1,287 |
| Q2 2025 | $22.0M | $18.3M | $8.4M | $3.6M | $69K | 0.63% | 3.28% | 0.13% | 1,300 |
| Q1 2025 | $22.5M | $18.9M | $8.5M | $3.5M | $35K | 0.62% | 3.26% | 0.02% | 1,321 |
| Q4 2024 | $21.7M | $18.1M | $9.3M | $3.5M | $167K | 0.77% | 3.55% | 0.03% | 1,320 |
| Q3 2024 | $22.0M | $18.3M | $9.6M | $3.5M | $138K | 0.84% | 3.50% | 0.00% | 1,335 |
| Q2 2024 | $21.8M | $18.2M | $9.8M | $3.5M | $93K | 0.85% | 3.51% | 1.94% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.60% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,334 |
Loan mix (Q1 2026): real estate $5.1M · commercial $0 · consumer $2.5M · securities $12.5M
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.