| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +1.3% | +2.9 pts |
| Share growth (YoY) | +4.9% | +0.7% | +4.2 pts |
| Loan growth (YoY) | -4.3% | -2.4% | -1.9 pts |
| ROA | -0.33% | 0.60% | -0.9 pts |
| ROE | -2.7% | 4.1% | -6.8 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.6M | $14.5M | $9.1M | $2.0M | $-14K | -0.33% | 3.26% | 5.03% | 1,696 |
| Q4 2025 | $16.4M | $14.3M | $9.1M | $2.0M | $-39K | -0.24% | 3.65% | 3.19% | 1,696 |
| Q3 2025 | $16.5M | $14.3M | $9.3M | $2.1M | $54K | 0.43% | 3.63% | 5.55% | 1,687 |
| Q2 2025 | $16.4M | $14.3M | $9.4M | $2.1M | $24K | 0.29% | 3.48% | 4.84% | 1,714 |
| Q1 2025 | $15.9M | $13.8M | $9.5M | $2.1M | $-29K | -0.73% | 3.28% | 4.66% | 1,719 |
| Q4 2024 | $15.8M | $13.7M | $9.7M | $2.1M | $84K | 0.53% | 3.94% | 1.84% | 1,733 |
| Q3 2024 | $14.8M | $12.7M | $9.9M | $2.0M | $73K | 0.65% | 4.28% | 0.89% | 1,783 |
| Q2 2024 | $14.8M | $12.7M | $9.4M | $2.1M | $93K | 1.26% | 4.39% | 2.62% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.33% | 0.60% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -2.7% | 4.1% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,799 |
Loan mix (Q1 2026): real estate $1.8M · commercial $0 · consumer $7.2M · securities $4.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.2% | 81.5% | 90th |
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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