| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +1.3% | +4.0 pts |
| Share growth (YoY) | +9.4% | +0.7% | +8.8 pts |
| Loan growth (YoY) | +5.4% | -2.4% | +7.7 pts |
| ROA | -0.73% | 0.60% | -1.3 pts |
| ROE | -2.7% | 4.1% | -6.8 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.1M | $9.9M | $9.6M | $3.8M | $-26K | -0.73% | 4.79% | 2.35% | 1,443 |
| Q4 2025 | $13.9M | $9.8M | $9.9M | $3.8M | $19K | 0.13% | 5.12% | 4.76% | 1,420 |
| Q3 2025 | $13.3M | $8.8M | $9.7M | $4.0M | $167K | 1.67% | 5.36% | 2.86% | 1,399 |
| Q2 2025 | $13.2M | $8.9M | $9.4M | $4.2M | $342K | 5.16% | 5.32% | 0.84% | 1,370 |
| Q1 2025 | $13.4M | $9.1M | $9.1M | $4.2M | $327K | 9.78% | 5.29% | 0.38% | 1,346 |
| Q4 2024 | $12.9M | $8.8M | $9.1M | $3.9M | $-581K | -4.50% | 5.06% | 2.40% | 1,377 |
| Q3 2024 | $13.0M | $8.1M | $9.2M | $4.3M | $-660K | -6.78% | 5.04% | 4.67% | 1,369 |
| Q2 2024 | $13.1M | $8.2M | $8.9M | $4.1M | $-364K | -5.55% | 4.90% | 0.47% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.73% | 0.60% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -2.7% | 4.1% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.79% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,358 |
Loan mix (Q1 2026): real estate $933K · commercial $0 · consumer $8.7M · securities $3.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 113.9% | 81.5% | 93th |
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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