| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +1.3% | -4.0 pts |
| Share growth (YoY) | -3.9% | +0.7% | -4.6 pts |
| Loan growth (YoY) | -3.2% | -2.4% | -0.9 pts |
| ROA | 0.22% | 0.60% | -0.4 pts |
| ROE | 2.2% | 4.1% | -1.9 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.4M | $14.7M | $6.8M | $1.6M | $9K | 0.22% | 3.50% | 0.00% | 1,562 |
| Q4 2025 | $16.7M | $14.8M | $7.0M | $1.6M | $104K | 0.63% | 3.62% | 0.00% | 1,565 |
| Q3 2025 | $16.8M | $15.1M | $6.9M | $1.6M | $75K | 0.60% | 3.61% | 0.06% | 1,567 |
| Q2 2025 | $17.0M | $15.4M | $7.0M | $1.5M | $44K | 0.52% | 3.67% | 0.27% | 1,581 |
| Q1 2025 | $16.9M | $15.3M | $7.0M | $1.5M | $23K | 0.55% | 3.71% | 0.21% | 1,598 |
| Q4 2024 | $16.5M | $14.9M | $7.4M | $1.5M | $11K | 0.07% | 3.00% | 0.00% | 1,596 |
| Q3 2024 | $15.5M | $13.9M | $7.4M | $1.5M | $25K | 0.21% | 3.12% | 0.00% | 1,592 |
| Q2 2024 | $15.4M | $13.8M | $7.5M | $1.5M | $16K | 0.21% | 2.97% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.60% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,596 |
Loan mix (Q1 2026): real estate $1.6M · commercial $0 · consumer $4.4M · securities $5.5M
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% |
The full ratio pack is part of CharterBench Pro.