| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.8 pts |
| Share growth (YoY) | +0.7% | +0.7% | +0.0 pts |
| Loan growth (YoY) | -10.5% | -2.4% | -8.2 pts |
| ROA | -0.11% | 0.60% | -0.7 pts |
| ROE | -1.1% | 4.1% | -5.2 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 | $39.2M | $34.3M | $19.5M | $3.7M | $-10K | -0.11% | 2.61% | 1.29% | 3,088 |
| Q4 2025 | $38.9M | $33.9M | $20.1M | $3.7M | $7K | 0.02% | 2.75% | 1.24% | 3,087 |
| Q3 2025 | $38.6M | $33.6M | $20.7M | $3.8M | $2K | 0.01% | 2.76% | 0.69% | 3,078 |
| Q2 2025 | $38.6M | $33.6M | $21.2M | $3.7M | $-20K | -0.10% | 2.68% | 0.59% | 3,093 |
| Q1 2025 | $39.0M | $34.0M | $21.8M | $3.7M | $-16K | -0.17% | 2.60% | 0.43% | 3,096 |
| Q4 2024 | $39.7M | $34.7M | $22.4M | $3.8M | $-60K | -0.15% | 2.48% | 0.60% | 3,086 |
| Q3 2024 | $39.6M | $33.5M | $20.3M | $3.8M | $-761 | -0.00% | 2.51% | 0.99% | 3,090 |
| Q2 2024 | $38.8M | $32.7M | $22.2M | $3.8M | $-14K | -0.07% | 2.50% | 0.95% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.11% | 0.60% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -1.1% | 4.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.61% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,097 |
Loan mix (Q1 2026): real estate $10.4M · commercial $0 · consumer $8.6M · securities $13.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.4% | 81.5% | 84th |
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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