| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.6% | +1.3% | -7.9 pts |
| Share growth (YoY) | -8.2% | +0.7% | -8.9 pts |
| Loan growth (YoY) | -12.7% | -2.4% | -10.3 pts |
| ROA | -0.60% | 0.60% | -1.2 pts |
| ROE | -2.9% | 4.1% | -7.0 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.8M | $17.3M | $2.8M | $4.5M | $-33K | -0.60% | 2.27% | 0.13% | 1,002 |
| Q4 2025 | $21.9M | $17.3M | $2.9M | $4.6M | $35K | 0.16% | 2.22% | 0.14% | 1,015 |
| Q3 2025 | $22.4M | $17.9M | $3.0M | $4.6M | $10K | 0.06% | 2.14% | 0.14% | 1,026 |
| Q2 2025 | $22.7M | $18.2M | $3.1M | $4.5M | $-6K | -0.05% | 2.00% | 0.26% | 1,046 |
| Q1 2025 | $23.3M | $18.8M | $3.2M | $4.5M | $-16K | -0.28% | 1.99% | 0.00% | 1,063 |
| Q4 2024 | $23.6M | $19.0M | $3.3M | $4.5M | $-58K | -0.25% | 1.62% | 0.15% | 1,076 |
| Q3 2024 | $22.9M | $18.3M | $3.3M | $4.6M | $-43K | -0.25% | 1.62% | 0.00% | 1,089 |
| Q2 2024 | $22.8M | $18.2M | $3.4M | $4.6M | $-38K | -0.33% | 1.47% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.60% | 0.60% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -2.9% | 4.1% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.27% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,104 |
Loan mix (Q1 2026): real estate $1.6M · commercial $0 · consumer $1.2M · securities $17.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 125.5% | 81.5% | 95th |
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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