| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.8% | +1.3% | -7.1 pts |
| Share growth (YoY) | -6.9% | +0.7% | -7.6 pts |
| Loan growth (YoY) | +6.8% | -2.4% | +9.1 pts |
| ROA | -0.08% | 0.60% | -0.7 pts |
| ROE | -0.6% | 4.1% | -4.7 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.3M | $12.3M | $8.6M | $1.9M | $-3K | -0.08% | 4.53% | 0.59% | 2,956 |
| Q4 2025 | $14.1M | $12.1M | $8.7M | $1.9M | $47K | 0.33% | 4.52% | 0.75% | 3,016 |
| Q3 2025 | $14.4M | $12.4M | $8.9M | $1.9M | $43K | 0.40% | 4.59% | 1.39% | 3,001 |
| Q2 2025 | $14.5M | $12.6M | $8.5M | $1.9M | $8K | 0.12% | 4.26% | 1.79% | 2,981 |
| Q1 2025 | $15.2M | $13.2M | $8.0M | $1.9M | $391 | 0.01% | 4.21% | 0.76% | 2,973 |
| Q4 2024 | $14.8M | $12.8M | $8.3M | $1.9M | $44K | 0.30% | 4.17% | 1.39% | 2,982 |
| Q3 2024 | $14.4M | $12.7M | $8.5M | $1.7M | $24K | 0.23% | 4.31% | 0.80% | 2,895 |
| Q2 2024 | $14.2M | $12.5M | $8.9M | $1.7M | $16K | 0.23% | 4.27% | 0.76% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.08% | 0.60% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -0.6% | 4.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,912 |
Loan mix (Q1 2026): real estate $757K · commercial $0 · consumer $7.6M · securities $3.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.5% | 81.5% | 86th |
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.