| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +1.3% | -4.3 pts |
| Share growth (YoY) | -4.3% | +0.7% | -4.9 pts |
| Loan growth (YoY) | +14.1% | -2.4% | +16.4 pts |
| ROA | -0.09% | 0.60% | -0.7 pts |
| ROE | -0.9% | 4.1% | -5.0 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.2M | $11.3M | $6.9M | $1.2M | $-3K | -0.09% | 3.76% | 0.00% | 947 |
| Q4 2025 | $11.8M | $10.9M | $6.8M | $1.2M | $74K | 0.63% | 4.13% | 0.46% | 948 |
| Q3 2025 | $11.9M | $11.0M | $6.9M | $1.2M | $76K | 0.86% | 3.94% | 0.00% | 905 |
| Q2 2025 | $11.8M | $11.0M | $6.2M | $1.2M | $31K | 0.52% | 3.83% | 0.00% | 890 |
| Q1 2025 | $12.5M | $11.8M | $6.1M | $1.1M | $7K | 0.22% | 3.52% | 0.00% | 879 |
| Q4 2024 | $11.6M | $10.9M | $6.3M | $1.1M | $48K | 0.41% | 3.61% | 0.00% | 869 |
| Q3 2024 | $11.8M | $11.1M | $6.4M | $1.1M | $20K | 0.23% | 3.56% | 0.00% | 844 |
| Q2 2024 | $12.2M | $11.7M | $6.4M | $1.1M | $11K | 0.19% | 3.40% | 0.00% | 840 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.09% | 0.60% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -0.9% | 4.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $2.1M · commercial $18K · consumer $4.2M · securities $3.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.1% | 81.5% | 75th |
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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