| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +1.3% | -1.0 pts |
| Share growth (YoY) | +1.6% | +0.7% | +0.9 pts |
| Loan growth (YoY) | -10.0% | -2.4% | -7.7 pts |
| ROA | -0.73% | 0.60% | -1.3 pts |
| ROE | -7.2% | 4.1% | -11.3 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $73.4M | $65.9M | $35.1M | $7.4M | $-133K | -0.73% | 2.19% | 0.00% | 2,104 |
| Q4 2025 | $73.9M | $65.6M | $37.1M | $7.5M | $-96K | -0.13% | 1.83% | 1.27% | 2,109 |
| Q3 2025 | $73.8M | $65.5M | $37.5M | $7.5M | $-186K | -0.34% | 1.77% | 1.31% | 2,105 |
| Q2 2025 | $73.5M | $65.1M | $38.9M | $7.5M | $-91K | -0.25% | 1.70% | 4.26% | 2,109 |
| Q1 2025 | $73.2M | $64.9M | $39.0M | $7.6M | $-72K | -0.39% | 1.58% | 0.38% | 2,118 |
| Q4 2024 | $72.3M | $63.9M | $38.4M | $7.6M | $-196K | -0.27% | 1.37% | 2.29% | 2,117 |
| Q3 2024 | $73.4M | $65.8M | $38.8M | $7.5M | $-300K | -0.54% | 1.30% | 1.12% | 2,097 |
| Q2 2024 | $73.9M | $66.2M | $38.6M | $7.6M | $-205K | -0.56% | 1.26% | 1.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.73% | 0.60% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -7.2% | 4.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.19% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,070 |
Loan mix (Q1 2026): real estate $30.5M · commercial $2.1M · consumer $2.6M · securities $27.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 115.1% | 81.5% | 93th |
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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