| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +1.3% | -4.3 pts |
| Share growth (YoY) | -3.3% | +0.7% | -3.9 pts |
| Loan growth (YoY) | -18.7% | -2.4% | -16.3 pts |
| ROA | -0.26% | 0.60% | -0.9 pts |
| ROE | -3.0% | 4.1% | -7.1 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $32.7M | $29.7M | $5.8M | $2.9M | $-22K | -0.26% | 1.71% | 1.89% | 2,087 |
| Q4 2025 | $32.3M | $29.4M | $6.2M | $2.9M | $-27K | -0.09% | 1.56% | 2.13% | 2,149 |
| Q3 2025 | $32.6M | $29.6M | $6.7M | $2.9M | $-22K | -0.09% | 1.46% | 2.49% | 2,163 |
| Q2 2025 | $33.4M | $30.5M | $6.8M | $2.9M | $-62K | -0.37% | 1.30% | 4.33% | 2,164 |
| Q1 2025 | $33.7M | $30.7M | $7.2M | $2.9M | $-44K | -0.52% | 1.21% | 0.30% | 2,168 |
| Q4 2024 | $33.9M | $30.9M | $7.2M | $3.0M | $-256K | -0.75% | 1.04% | 2.18% | 2,315 |
| Q3 2024 | $33.2M | $30.1M | $7.9M | $3.0M | $-207K | -0.83% | 0.98% | 3.69% | 2,320 |
| Q2 2024 | $35.4M | $32.3M | $8.4M | $3.1M | $-122K | -0.69% | 0.86% | 4.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.26% | 0.60% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -3.0% | 4.1% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.71% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,317 |
Loan mix (Q1 2026): real estate $2.7M · commercial $156K · consumer $2.4M · securities $24.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.7% | 81.5% | 90th |
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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