| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +1.3% | -3.6 pts |
| Share growth (YoY) | +0.2% | +0.7% | -0.5 pts |
| Loan growth (YoY) | +23.7% | -2.4% | +26.0 pts |
| ROA | -2.01% | 0.60% | -2.6 pts |
| ROE | -25.4% | 4.1% | -29.5 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $33.4M | $31.5M | $9.5M | $2.6M | $-168K | -2.01% | 3.03% | 7.32% | 1,984 |
| Q4 2025 | $33.0M | $31.0M | $8.4M | $2.8M | $21K | 0.06% | 3.16% | 5.88% | 1,934 |
| Q3 2025 | $33.7M | $31.6M | $8.3M | $3.0M | $207K | 0.82% | 3.78% | 5.32% | 1,927 |
| Q2 2025 | $34.7M | $31.9M | $8.5M | $2.8M | $-11K | -0.06% | 3.40% | 3.74% | 1,887 |
| Q1 2025 | $34.2M | $31.4M | $7.7M | $2.8M | $1K | 0.01% | 3.57% | 2.45% | 2,029 |
| Q4 2024 | $32.8M | $30.1M | $7.5M | $2.8M | $-185K | -0.56% | 3.89% | 2.37% | 2,096 |
| Q3 2024 | $33.3M | $30.6M | $7.5M | $2.9M | $-245K | -0.98% | 3.51% | 1.01% | 2,382 |
| Q2 2024 | $33.9M | $31.1M | $6.6M | $2.9M | $-180K | -1.06% | 3.40% | 2.41% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.01% | 0.60% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -25.4% | 4.1% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,406 |
Loan mix (Q1 2026): real estate $60K · commercial $0 · consumer $9.5M · securities $20.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 152.3% | 81.5% | 98th |
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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