| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +7.0% | +0.7% | +6.3 pts |
| Loan growth (YoY) | +8.4% | -2.4% | +10.7 pts |
| ROA | -1.73% | 0.60% | -2.3 pts |
| ROE | -6.3% | 4.1% | -10.4 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $20.3M | $13.1M | $15.2M | $5.6M | $-88K | -1.73% | 4.83% | 1.29% | 2,911 |
| Q4 2025 | $20.3M | $12.9M | $15.4M | $5.7M | $869K | 4.27% | 4.96% | 3.94% | 2,884 |
| Q3 2025 | $20.2M | $12.7M | $14.3M | $5.4M | $634K | 4.19% | 4.94% | 4.24% | 3,083 |
| Q2 2025 | $20.4M | $12.8M | $14.4M | $5.2M | $389K | 3.82% | 4.96% | 4.81% | 3,187 |
| Q1 2025 | $19.9M | $12.3M | $14.0M | $5.0M | $179K | 3.59% | 4.55% | 0.36% | 3,253 |
| Q4 2024 | $19.9M | $12.1M | $14.4M | $4.8M | $382K | 1.92% | 4.31% | 1.78% | 3,229 |
| Q3 2024 | $18.9M | $12.1M | $13.6M | $4.5M | $48K | 0.34% | 4.52% | 1.80% | 3,228 |
| Q2 2024 | $19.4M | $12.6M | $13.8M | $4.4M | $-39K | -0.41% | 4.35% | 1.58% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.73% | 0.60% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -6.3% | 4.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.83% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,671 |
Loan mix (Q1 2026): real estate $12.5M · commercial $1.7M · consumer $790K · securities $1.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 112.7% | 81.5% | 92th |
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.