| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.5% | +1.3% | -7.8 pts |
| Share growth (YoY) | -6.5% | +0.7% | -7.2 pts |
| Loan growth (YoY) | -16.7% | -2.4% | -14.3 pts |
| ROA | -2.10% | 0.60% | -2.7 pts |
| ROE | -22.2% | 4.1% | -26.3 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.1M | $22.6M | $16.7M | $2.4M | $-132K | -2.10% | 2.83% | 1.13% | 2,045 |
| Q4 2025 | $26.4M | $23.8M | $18.1M | $2.5M | $-33K | -0.12% | 3.13% | 1.27% | 2,082 |
| Q3 2025 | $27.1M | $24.4M | $18.8M | $2.6M | $42K | 0.21% | 3.13% | 0.69% | 2,094 |
| Q2 2025 | $26.4M | $23.7M | $19.4M | $2.6M | $66K | 0.50% | 3.20% | 1.45% | 2,100 |
| Q1 2025 | $26.9M | $24.2M | $20.0M | $2.6M | $41K | 0.61% | 3.20% | 1.37% | 2,096 |
| Q4 2024 | $26.0M | $23.4M | $20.0M | $2.6M | $86K | 0.33% | 2.89% | 1.18% | 2,107 |
| Q3 2024 | $25.3M | $22.7M | $19.8M | $2.5M | $62K | 0.33% | 2.85% | 0.56% | 2,082 |
| Q2 2024 | $25.6M | $22.9M | $19.1M | $2.6M | $85K | 0.66% | 2.64% | 0.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.10% | 0.60% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -22.2% | 4.1% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.83% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,041 |
Loan mix (Q1 2026): real estate $627K · commercial $223K · consumer $15.3M · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 122.1% | 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% |
The full ratio pack is part of CharterBench Pro.