| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.8% | +1.3% | -6.1 pts |
| Share growth (YoY) | -6.6% | +0.7% | -7.3 pts |
| Loan growth (YoY) | -3.0% | -2.4% | -0.6 pts |
| ROA | 0.06% | 0.60% | -0.5 pts |
| ROE | 0.4% | 4.1% | -3.7 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.0M | $5.8M | $1.9M | $1.2M | $1K | 0.06% | 4.16% | 0.60% | 652 |
| Q4 2025 | $7.1M | $5.9M | $1.9M | $1.1M | $81K | 1.14% | 4.21% | 0.34% | 639 |
| Q3 2025 | $7.5M | $6.3M | $1.9M | $1.1M | $64K | 1.14% | 4.11% | 0.34% | 642 |
| Q2 2025 | $7.0M | $5.8M | $1.9M | $1.1M | $44K | 1.27% | 4.40% | 0.88% | 643 |
| Q1 2025 | $7.3M | $6.2M | $1.9M | $1.1M | $23K | 1.24% | 4.18% | 0.21% | 647 |
| Q4 2024 | $6.6M | $5.5M | $2.0M | $1.1M | $146K | 2.21% | 4.80% | 0.35% | 652 |
| Q3 2024 | $6.8M | $5.7M | $2.0M | $1.0M | $119K | 2.35% | 4.73% | 0.32% | 656 |
| Q2 2024 | $7.0M | $6.0M | $2.0M | $998K | $77K | 2.18% | 4.51% | 0.33% | 662 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.06% | 0.60% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 4.1% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $550K · commercial $0 · consumer $1.2M · securities $4.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.7% | 81.5% | 78th |
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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