| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +1.3% | -0.4 pts |
| Share growth (YoY) | +1.6% | +0.7% | +0.9 pts |
| Loan growth (YoY) | +6.3% | -2.4% | +8.6 pts |
| ROA | -2.96% | 0.60% | -3.6 pts |
| ROE | -17.6% | 4.1% | -21.7 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.6M | $8.8M | $6.3M | $1.8M | $-78K | -2.96% | 3.30% | 3.76% | 1,311 |
| Q4 2025 | $10.5M | $8.7M | $6.5M | $1.9M | $89K | 0.85% | 3.79% | 4.75% | 1,311 |
| Q3 2025 | $11.1M | $9.1M | $6.7M | $1.9M | $79K | 0.96% | 3.68% | 1.96% | 1,311 |
| Q2 2025 | $10.9M | $8.8M | $6.4M | $1.8M | $69K | 1.26% | 3.78% | 5.34% | 1,296 |
| Q1 2025 | $10.5M | $8.6M | $5.9M | $1.8M | $37K | 1.41% | 3.97% | 4.32% | 1,296 |
| Q4 2024 | $10.4M | $8.6M | $6.1M | $1.8M | $184K | 1.76% | 3.71% | 4.47% | 1,285 |
| Q3 2024 | $10.3M | $8.5M | $6.3M | $1.8M | $180K | 2.32% | 4.03% | 2.60% | 1,289 |
| Q2 2024 | $10.3M | $8.5M | $6.5M | $1.7M | $35K | 0.68% | 4.00% | 1.73% | 1,270 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.96% | 0.60% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -17.6% | 4.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.8M · securities $2.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.2% | 81.5% | 42th |
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.