| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -1.9% | +0.7% | -2.5 pts |
| Loan growth (YoY) | +22.4% | -2.4% | +24.8 pts |
| ROA | -0.45% | 0.60% | -1.1 pts |
| ROE | -4.5% | 4.1% | -8.6 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.2M | $16.2M | $5.2M | $1.8M | $-20K | -0.45% | 4.77% | 0.19% | 2,392 |
| Q4 2025 | $18.1M | $16.1M | $5.0M | $1.9M | $298K | 1.65% | 4.95% | 0.38% | 2,373 |
| Q3 2025 | $18.2M | $16.3M | $4.8M | $1.8M | $261K | 1.91% | 4.81% | 1.37% | 2,375 |
| Q2 2025 | $18.3M | $16.5M | $4.5M | $1.7M | $163K | 1.78% | 4.79% | 1.19% | 2,351 |
| Q1 2025 | $18.3M | $16.5M | $4.2M | $1.7M | $88K | 1.93% | 4.80% | 1.60% | 2,341 |
| Q4 2024 | $16.9M | $15.2M | $4.2M | $1.6M | $227K | 1.34% | 4.38% | 0.53% | 2,319 |
| Q3 2024 | $17.0M | $15.4M | $4.4M | $1.5M | $143K | 1.12% | 4.35% | 1.41% | 2,326 |
| Q2 2024 | $17.1M | $15.6M | $4.6M | $1.4M | $99K | 1.16% | 4.27% | 1.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.45% | 0.60% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -4.5% | 4.1% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.77% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,317 |
Loan mix (Q1 2026): real estate $13K · commercial $0 · consumer $4.6M · securities $9.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.3% | 81.5% | 54th |
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.