| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +1.3% | -0.1 pts |
| Share growth (YoY) | +1.8% | +0.7% | +1.2 pts |
| Loan growth (YoY) | -18.8% | -2.4% | -16.4 pts |
| ROA | -1.74% | 0.60% | -2.3 pts |
| ROE | -10.8% | 4.1% | -14.9 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 | $34.2M | $28.6M | $10.3M | $5.5M | $-149K | -1.74% | 2.92% | 5.88% | 2,894 |
| Q4 2025 | $34.2M | $28.4M | $11.2M | $5.7M | $-139K | -0.41% | 3.40% | 4.97% | 2,904 |
| Q3 2025 | $33.5M | $27.6M | $11.8M | $5.8M | $-36K | -0.14% | 3.46% | 3.35% | 2,921 |
| Q2 2025 | $33.6M | $27.6M | $12.1M | $5.8M | $18K | 0.11% | 3.46% | 3.16% | 2,923 |
| Q1 2025 | $33.8M | $28.1M | $12.7M | $5.9M | $70K | 0.83% | 3.42% | 4.20% | 2,943 |
| Q4 2024 | $33.9M | $28.1M | $13.3M | $5.8M | $-693K | -2.04% | 3.46% | 1.69% | 2,960 |
| Q3 2024 | $37.6M | $31.0M | $14.3M | $6.6M | $102K | 0.36% | 3.46% | 1.66% | 2,985 |
| Q2 2024 | $37.3M | $30.9M | $14.9M | $6.5M | $37K | 0.20% | 3.27% | 2.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.74% | 0.60% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -10.8% | 4.1% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,000 |
Loan mix (Q1 2026): real estate $1.1M · commercial $0 · consumer $8.9M · securities $13.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 133.8% | 81.5% | 96th |
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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