| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +1.3% | -1.9 pts |
| Share growth (YoY) | -1.0% | +0.7% | -1.7 pts |
| Loan growth (YoY) | -6.0% | -2.4% | -3.6 pts |
| ROA | 0.25% | 0.60% | -0.4 pts |
| ROE | 1.0% | 4.1% | -3.1 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $54.6M | $39.9M | $17.4M | $13.3M | $34K | 0.25% | 4.38% | 1.92% | 6,604 |
| Q4 2025 | $54.5M | $39.8M | $18.6M | $13.2M | $144K | 0.26% | 4.03% | 1.84% | 6,645 |
| Q3 2025 | $54.5M | $39.8M | $18.1M | $13.1M | $85K | 0.21% | 3.92% | 1.42% | 6,632 |
| Q2 2025 | $55.1M | $40.5M | $18.4M | $13.1M | $34K | 0.12% | 3.76% | 1.45% | 6,602 |
| Q1 2025 | $54.9M | $40.3M | $18.5M | $13.0M | $-7K | -0.05% | 3.67% | 1.56% | 6,631 |
| Q4 2024 | $56.0M | $41.4M | $19.2M | $13.0M | $-45K | -0.08% | 3.55% | 1.63% | 6,588 |
| Q3 2024 | $56.2M | $41.5M | $19.3M | $13.0M | $47K | 0.11% | 3.53% | 1.66% | 6,637 |
| Q2 2024 | $57.5M | $42.9M | $19.1M | $13.0M | $-33K | -0.11% | 3.42% | 1.86% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.60% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 4.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,792 |
Loan mix (Q1 2026): real estate $9.2M · commercial $0 · consumer $8.1M · securities $29.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.6% | 81.5% | 72th |
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.