| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | 0.0% | +1.3% | -1.3 pts |
| Share growth (YoY) | -1.1% | +0.7% | -1.8 pts |
| Loan growth (YoY) | -23.1% | -2.4% | -20.7 pts |
| ROA | 0.49% | 0.60% | -0.1 pts |
| ROE | 1.8% | 4.1% | -2.3 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.7M | $12.2M | $6.4M | $4.6M | $21K | 0.49% | 3.89% | 0.26% | 2,517 |
| Q4 2025 | $16.4M | $11.9M | $7.0M | $4.5M | $153K | 0.93% | 4.28% | 0.32% | 2,544 |
| Q3 2025 | $16.3M | $11.8M | $7.5M | $4.5M | $121K | 0.99% | 4.33% | 0.28% | 2,586 |
| Q2 2025 | $16.5M | $12.0M | $7.9M | $4.5M | $80K | 0.97% | 4.28% | 0.29% | 2,609 |
| Q1 2025 | $16.7M | $12.3M | $8.3M | $4.4M | $38K | 0.91% | 4.19% | 0.31% | 2,628 |
| Q4 2024 | $16.9M | $12.5M | $8.8M | $4.4M | $92K | 0.55% | 4.07% | 0.30% | 2,678 |
| Q3 2024 | $16.0M | $11.7M | $9.5M | $4.3M | $43K | 0.36% | 4.24% | 0.27% | 2,737 |
| Q2 2024 | $16.1M | $11.7M | $10.0M | $4.3M | $40K | 0.50% | 4.21% | 0.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.60% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 4.1% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,761 |
Loan mix (Q1 2026): real estate $500K · commercial $0 · consumer $5.9M · securities $7.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.7% | 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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