| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.6% | +1.3% | -7.9 pts |
| Share growth (YoY) | -7.7% | +0.7% | -8.4 pts |
| Loan growth (YoY) | -19.4% | -2.4% | -17.0 pts |
| ROA | -0.59% | 0.60% | -1.2 pts |
| ROE | -4.6% | 4.1% | -8.7 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.1M | $10.5M | $3.9M | $1.5M | $-18K | -0.59% | 4.20% | 0.27% | 1,326 |
| Q4 2025 | $12.1M | $10.5M | $4.3M | $1.6M | $64K | 0.53% | 4.55% | 0.19% | 1,358 |
| Q3 2025 | $12.4M | $10.9M | $4.5M | $1.5M | $56K | 0.60% | 4.45% | 0.64% | 1,367 |
| Q2 2025 | $12.9M | $11.2M | $4.8M | $1.5M | $35K | 0.54% | 4.29% | 0.18% | 1,400 |
| Q1 2025 | $12.9M | $11.4M | $4.8M | $1.5M | $12K | 0.36% | 4.18% | 0.55% | 1,407 |
| Q4 2024 | $12.9M | $11.3M | $5.0M | $1.5M | $55K | 0.42% | 4.35% | 0.31% | 1,422 |
| Q3 2024 | $13.4M | $11.9M | $5.4M | $1.5M | $51K | 0.51% | 4.16% | 0.10% | 1,434 |
| Q2 2024 | $14.5M | $12.9M | $5.4M | $1.5M | $31K | 0.43% | 3.80% | 0.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.59% | 0.60% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -4.6% | 4.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,447 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.8M · securities $5.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.5% | 81.5% | 85th |
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.