| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +1.3% | -3.8 pts |
| Share growth (YoY) | -2.1% | +0.7% | -2.8 pts |
| Loan growth (YoY) | -10.7% | -2.4% | -8.3 pts |
| ROA | -0.75% | 0.60% | -1.4 pts |
| ROE | -5.5% | 4.1% | -9.6 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 | $73.6M | $63.3M | $58.0M | $10.0M | $-138K | -0.75% | 2.89% | 3.43% | 3,794 |
| Q4 2025 | $73.9M | $63.3M | $65.1M | $10.1M | $-300K | -0.41% | 2.97% | 2.93% | 3,818 |
| Q3 2025 | $77.5M | $65.7M | $65.2M | $10.2M | $-223K | -0.38% | 2.86% | 2.76% | 3,839 |
| Q2 2025 | $78.1M | $67.4M | $62.6M | $10.3M | $-168K | -0.43% | 2.79% | 0.47% | 3,900 |
| Q1 2025 | $75.5M | $64.7M | $65.0M | $10.4M | $-94K | -0.50% | 2.86% | 0.63% | 3,888 |
| Q4 2024 | $76.6M | $65.7M | $63.8M | $10.4M | $-334K | -0.44% | 2.67% | 0.74% | 3,860 |
| Q3 2024 | $74.4M | $63.5M | $63.4M | $10.5M | $-254K | -0.46% | 2.73% | 0.53% | 3,394 |
| Q2 2024 | $74.0M | $63.2M | $62.2M | $10.6M | $-132K | -0.36% | 2.73% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.75% | 0.60% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -5.5% | 4.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 0.49% |
| 3,369 |
Loan mix (Q1 2026): real estate $48.3M · commercial $1.7M · consumer $4.8M · securities $6.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 121.6% | 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% |
The full ratio pack is part of CharterBench Pro.