| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +1.3% | +7.1 pts |
| Share growth (YoY) | +8.6% | +0.7% | +7.9 pts |
| Loan growth (YoY) | -14.5% | -2.4% | -12.1 pts |
| ROA | -0.17% | 0.60% | -0.8 pts |
| ROE | -2.0% | 4.1% | -6.1 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $62.2M | $56.2M | $27.1M | $5.2M | $-26K | -0.17% | 2.88% | 0.51% | 5,115 |
| Q4 2025 | $57.2M | $51.3M | $28.6M | $5.2M | $-50K | -0.09% | 3.11% | 0.53% | 5,149 |
| Q3 2025 | $57.3M | $51.2M | $29.9M | $5.1M | $-112K | -0.26% | 3.09% | 0.39% | 5,187 |
| Q2 2025 | $57.9M | $52.0M | $30.4M | $5.1M | $-131K | -0.45% | 2.96% | 0.47% | 5,177 |
| Q1 2025 | $57.3M | $51.8M | $31.6M | $5.1M | $-162K | -1.13% | 2.81% | 1.80% | 5,140 |
| Q4 2024 | $54.9M | $49.0M | $33.4M | $5.2M | $-9K | -0.02% | 3.19% | 1.42% | 5,163 |
| Q3 2024 | $55.6M | $49.6M | $35.4M | $5.3M | $20K | 0.05% | 3.18% | 1.33% | 5,182 |
| Q2 2024 | $55.6M | $49.5M | $36.7M | $5.3M | $20K | 0.07% | 3.18% | 0.84% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.17% | 0.60% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -2.0% | 4.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,168 |
Loan mix (Q1 2026): real estate $4.7M · commercial $0 · consumer $21.0M · securities $17.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.6% | 81.5% | 68th |
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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