| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +1.3% | +0.8 pts |
| Share growth (YoY) | +2.4% | +0.7% | +1.8 pts |
| Loan growth (YoY) | -10.8% | -2.4% | -8.5 pts |
| ROA | -4.13% | 0.60% | -4.7 pts |
| ROE | -15.7% | 4.1% | -19.8 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.0M | $9.5M | $4.8M | $3.4M | $-134K | -4.13% | 4.81% | 11.35% | 1,918 |
| Q4 2025 | $12.6M | $9.1M | $4.9M | $3.4M | $25K | 0.20% | 5.57% | 5.88% | 1,913 |
| Q3 2025 | $12.8M | $9.3M | $5.2M | $3.5M | $80K | 0.83% | 5.51% | 10.34% | 1,925 |
| Q2 2025 | $12.4M | $9.0M | $5.2M | $3.5M | $58K | 0.93% | 5.83% | 8.28% | 1,928 |
| Q1 2025 | $12.7M | $9.3M | $5.4M | $3.4M | $17K | 0.54% | 5.79% | 10.82% | 1,919 |
| Q4 2024 | $12.4M | $9.0M | $5.4M | $3.4M | $181K | 1.47% | 6.39% | 9.74% | 1,909 |
| Q3 2024 | $12.7M | $9.3M | $5.7M | $3.4M | $149K | 1.56% | 6.29% | 8.20% | 1,896 |
| Q2 2024 | $12.7M | $9.5M | $5.5M | $3.2M | $73K | 1.15% | 6.38% | 8.67% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.13% | 0.60% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -15.7% | 4.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.81% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,894 |
Loan mix (Q1 2026): real estate $2.2M · commercial $0 · consumer $2.5M · securities $6.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 102.0% | 81.5% | 86th |
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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