| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +1.3% | -3.0 pts |
| Share growth (YoY) | -1.5% | +0.7% | -2.2 pts |
| Loan growth (YoY) | +15.2% | -2.4% | +17.6 pts |
| ROA | -0.83% | 0.60% | -1.4 pts |
| ROE | -8.2% | 4.1% | -12.3 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.6M | $10.4M | $6.9M | $1.2M | $-24K | -0.83% | 3.40% | 1.22% | 1,624 |
| Q4 2025 | $11.8M | $10.5M | $6.7M | $1.3M | $-78K | -0.66% | 3.05% | 1.31% | 1,609 |
| Q3 2025 | $11.9M | $10.6M | $6.1M | $1.2M | $-232K | -2.60% | 3.27% | 1.97% | 1,453 |
| Q2 2025 | $12.3M | $11.1M | $5.8M | $1.2M | $-3K | -0.05% | 2.95% | 0.97% | 1,385 |
| Q1 2025 | $11.8M | $10.6M | $6.0M | $1.2M | $-4K | -0.14% | 3.25% | 1.64% | 1,376 |
| Q4 2024 | $10.8M | $9.6M | $6.1M | $1.2M | $8K | 0.07% | 3.93% | 1.78% | 1,347 |
| Q3 2024 | $10.7M | $9.4M | $5.6M | $1.3M | $26K | 0.33% | 4.07% | 1.17% | 1,351 |
| Q2 2024 | $10.8M | $9.5M | $5.6M | $1.2M | $5K | 0.10% | 4.07% | 2.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.83% | 0.60% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -8.2% | 4.1% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,346 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.7M · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 121.7% | 81.5% | 95th |
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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