| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.4% | +1.3% | -10.7 pts |
| Share growth (YoY) | -10.7% | +0.7% | -11.3 pts |
| Loan growth (YoY) | -1.7% | -2.4% | +0.6 pts |
| ROA | -0.39% | 0.60% | -1.0 pts |
| ROE | -3.6% | 4.1% | -7.7 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $20.4M | $18.0M | $15.4M | $2.2M | $-20K | -0.39% | 5.13% | 0.54% | 2,123 |
| Q4 2025 | $20.0M | $17.6M | $15.4M | $2.3M | $88K | 0.44% | 5.26% | 0.70% | 3,125 |
| Q3 2025 | $19.5M | $17.2M | $15.8M | $2.3M | $70K | 0.48% | 5.57% | 0.95% | 3,136 |
| Q2 2025 | $21.9M | $19.5M | $15.7M | $2.3M | $30K | 0.27% | 4.93% | 1.04% | 3,134 |
| Q1 2025 | $22.5M | $20.2M | $15.6M | $2.3M | $-43K | -0.76% | 4.84% | 0.94% | 3,124 |
| Q4 2024 | $21.6M | $19.7M | $16.3M | $2.2M | $205K | 0.95% | 4.19% | 0.78% | 2,458 |
| Q3 2024 | $20.2M | $19.5M | $17.2M | $2.2M | $126K | 0.83% | 4.55% | 0.66% | 2,481 |
| Q2 2024 | $20.1M | $18.0M | $17.6M | $2.1M | $63K | 0.63% | 4.46% | 0.34% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.39% | 0.60% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -3.6% | 4.1% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.13% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,490 |
Loan mix (Q1 2026): real estate $2.9M · commercial $0 · consumer $11.1M · securities $403K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.8% | 81.5% | 74th |
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.