| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +1.3% | -2.2 pts |
| Share growth (YoY) | -0.4% | +0.7% | -1.0 pts |
| Loan growth (YoY) | -27.2% | -2.4% | -24.8 pts |
| ROA | 0.37% | 0.60% | -0.2 pts |
| ROE | 2.7% | 4.1% | -1.4 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.0M | $8.6M | $3.4M | $1.4M | $9K | 0.37% | 3.72% | 0.34% | 936 |
| Q4 2025 | $10.1M | $8.6M | $4.0M | $1.5M | $95K | 0.94% | 4.11% | 0.07% | 1,011 |
| Q3 2025 | $10.2M | $8.7M | $4.3M | $1.5M | $69K | 0.90% | 4.09% | 0.08% | 1,011 |
| Q2 2025 | $10.0M | $8.6M | $4.5M | $1.4M | $33K | 0.65% | 4.11% | 0.09% | 955 |
| Q1 2025 | $10.1M | $8.7M | $4.7M | $1.4M | $14K | 0.54% | 3.90% | 0.10% | 973 |
| Q4 2024 | $9.8M | $8.4M | $5.0M | $1.4M | $99K | 1.01% | 4.06% | 0.12% | 984 |
| Q3 2024 | $9.6M | $8.2M | $5.1M | $1.4M | $73K | 1.01% | 4.10% | 0.12% | 1,057 |
| Q2 2024 | $9.9M | $8.5M | $5.5M | $1.3M | $29K | 0.59% | 3.98% | 0.16% | 1,046 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 0.60% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $383K · commercial $0 · consumer $2.4M · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.5% | 81.5% | 70th |
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.