| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +1.3% | -1.0 pts |
| Share growth (YoY) | +1.0% | +0.7% | +0.4 pts |
| Loan growth (YoY) | +1.5% | -2.4% | +3.8 pts |
| ROA | -0.23% | 0.60% | -0.8 pts |
| ROE | -1.4% | 4.1% | -5.5 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $63.0M | $53.5M | $33.1M | $10.3M | $-36K | -0.23% | 3.15% | 0.35% | 3,905 |
| Q4 2025 | $61.3M | $52.0M | $33.3M | $10.4M | $19K | 0.03% | 3.35% | 0.69% | 3,879 |
| Q3 2025 | $62.2M | $52.6M | $33.4M | $10.4M | $43K | 0.09% | 3.17% | 0.24% | 3,843 |
| Q2 2025 | $61.8M | $52.0M | $33.3M | $10.6M | $39K | 0.13% | 3.16% | 0.27% | 3,804 |
| Q1 2025 | $62.7M | $52.9M | $32.6M | $10.6M | $12K | 0.08% | 3.13% | 0.51% | 3,961 |
| Q4 2024 | $62.7M | $53.1M | $31.7M | $10.6M | $318K | 0.51% | 3.13% | 0.25% | 3,747 |
| Q3 2024 | $62.8M | $53.0M | $30.6M | $10.5M | $232K | 0.49% | 3.11% | 0.26% | 3,763 |
| Q2 2024 | $63.1M | $53.5M | $30.8M | $10.4M | $129K | 0.41% | 3.04% | 0.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.23% | 0.60% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -1.4% | 4.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,886 |
Loan mix (Q1 2026): real estate $19.2M · commercial $0 · consumer $12.8M · securities $22.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 104.6% | 81.5% | 87th |
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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