| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.9% | +1.3% | -4.2 pts |
| Share growth (YoY) | -4.0% | +0.7% | -4.6 pts |
| Loan growth (YoY) | -5.2% | -2.4% | -2.8 pts |
| ROA | -0.02% | 0.60% | -0.6 pts |
| ROE | -0.2% | 4.1% | -4.3 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.0M | $11.6M | $8.5M | $1.3M | $-771 | -0.02% | 2.94% | 0.78% | 1,295 |
| Q4 2025 | $13.4M | $12.0M | $8.4M | $1.3M | $96K | 0.71% | 3.45% | 1.90% | 1,323 |
| Q3 2025 | $13.0M | $11.6M | $8.5M | $1.3M | $105K | 1.07% | 3.64% | 2.04% | 1,346 |
| Q2 2025 | $13.2M | $11.9M | $8.7M | $1.3M | $74K | 1.12% | 3.84% | 1.84% | 1,366 |
| Q1 2025 | $13.4M | $12.1M | $8.9M | $1.3M | $21K | 0.63% | 3.32% | 0.65% | 1,405 |
| Q4 2024 | $13.6M | $12.4M | $9.4M | $1.2M | $-95K | -0.70% | 3.00% | 1.80% | 1,448 |
| Q3 2024 | $14.2M | $12.9M | $9.6M | $1.2M | $-144K | -1.35% | 2.50% | 3.61% | 1,476 |
| Q2 2024 | $14.7M | $13.5M | $9.9M | $1.2M | $-159K | -2.16% | 2.27% | 2.91% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.02% | 0.60% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | -0.2% | 4.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,511 |
Loan mix (Q1 2026): real estate $4.0M · commercial $0 · consumer $3.4M · securities $3.4M
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.