| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | -2.3% | +0.7% | -3.0 pts |
| Loan growth (YoY) | +0.2% | -2.4% | +2.5 pts |
| ROA | -0.16% | 0.60% | -0.8 pts |
| ROE | -1.8% | 4.1% | -5.9 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $57.2M | $55.2M | $20.0M | $5.1M | $-23K | -0.16% | 1.63% | 1.40% | 2,625 |
| Q4 2025 | $57.8M | $55.8M | $21.0M | $5.1M | $-306K | -0.53% | 1.51% | 0.76% | 2,627 |
| Q3 2025 | $58.1M | $56.2M | $22.3M | $5.1M | $-270K | -0.62% | 1.45% | 0.86% | 2,621 |
| Q2 2025 | $57.8M | $56.5M | $23.5M | $5.2M | $-217K | -0.75% | 1.34% | 0.87% | 2,622 |
| Q1 2025 | $58.0M | $56.5M | $20.0M | $5.3M | $-98K | -0.67% | 1.28% | 1.10% | 2,650 |
| Q4 2024 | $57.6M | $56.9M | $20.7M | $5.4M | $-534K | -0.93% | 1.37% | 0.96% | 2,666 |
| Q3 2024 | $57.3M | $55.6M | $21.7M | $5.6M | $-362K | -0.84% | 1.45% | 1.13% | 2,676 |
| Q2 2024 | $55.4M | $54.7M | $22.7M | $5.7M | $-270K | -0.97% | 1.58% | 0.72% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.16% | 0.60% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -1.8% | 4.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.63% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,670 |
Loan mix (Q1 2026): real estate $6.4M · commercial $0 · consumer $12.5M · securities $28.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.7% | 81.5% | 86th |
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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