| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.9% | +1.3% | -6.2 pts |
| Share growth (YoY) | -6.3% | +0.7% | -7.0 pts |
| Loan growth (YoY) | -19.9% | -2.4% | -17.5 pts |
| ROA | 0.10% | 0.60% | -0.5 pts |
| ROE | 0.5% | 4.1% | -3.6 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $58.5M | $46.7M | $11.3M | $11.6M | $14K | 0.10% | 2.93% | 1.44% | 3,352 |
| Q4 2025 | $57.4M | $45.5M | $11.9M | $11.5M | $225K | 0.39% | 3.15% | 1.64% | 3,409 |
| Q3 2025 | $59.6M | $47.7M | $12.0M | $11.6M | $251K | 0.56% | 3.08% | 2.27% | 3,449 |
| Q2 2025 | $60.1M | $48.3M | $13.2M | $11.4M | $113K | 0.38% | 3.05% | 1.95% | 3,474 |
| Q1 2025 | $61.5M | $49.8M | $14.1M | $11.3M | $24K | 0.16% | 2.94% | 1.50% | 3,504 |
| Q4 2024 | $60.7M | $49.0M | $15.1M | $11.3M | $80K | 0.13% | 2.94% | 2.51% | 3,599 |
| Q3 2024 | $60.1M | $48.3M | $15.1M | $11.3M | $97K | 0.21% | 2.95% | 2.75% | 3,651 |
| Q2 2024 | $61.0M | $49.3M | $15.8M | $11.3M | $30K | 0.10% | 2.82% | 2.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 0.60% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 4.1% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,689 |
Loan mix (Q1 2026): real estate $6.2M · commercial $352K · consumer $4.8M · securities $28.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.6% | 81.5% | 68th |
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.