| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +1.3% | -2.2 pts |
| Share growth (YoY) | -1.3% | +0.7% | -1.9 pts |
| Loan growth (YoY) | -18.5% | -2.4% | -16.1 pts |
| ROA | 0.21% | 0.60% | -0.4 pts |
| ROE | 2.1% | 4.1% | -2.0 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $49.1M | $43.8M | $14.2M | $4.9M | $26K | 0.21% | 2.91% | 1.27% | 2,552 |
| Q4 2025 | $47.7M | $42.5M | $15.2M | $4.9M | $302K | 0.63% | 2.98% | 0.67% | 2,615 |
| Q3 2025 | $48.3M | $43.2M | $16.0M | $4.8M | $207K | 0.57% | 2.91% | 0.59% | 2,651 |
| Q2 2025 | $50.0M | $44.8M | $16.7M | $4.6M | $47K | 0.19% | 2.68% | 1.32% | 2,671 |
| Q1 2025 | $49.5M | $44.3M | $17.4M | $4.7M | $65K | 0.53% | 2.66% | 0.13% | 2,713 |
| Q4 2024 | $49.1M | $44.0M | $18.4M | $4.6M | $-80K | -0.16% | 2.20% | 1.14% | 2,778 |
| Q3 2024 | $51.1M | $46.2M | $18.7M | $4.6M | $-150K | -0.39% | 2.03% | 1.47% | 2,849 |
| Q2 2024 | $51.1M | $45.9M | $19.4M | $4.7M | $-53K | -0.21% | 1.91% | 1.46% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.60% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,918 |
Loan mix (Q1 2026): real estate $2.7M · commercial $0 · consumer $8.3M · securities $27.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 81.5% | 35th |
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.