| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +1.3% | -5.8 pts |
| Share growth (YoY) | -14.1% | +0.7% | -14.7 pts |
| Loan growth (YoY) | -5.7% | -2.4% | -3.3 pts |
| ROA | 0.22% | 0.60% | -0.4 pts |
| ROE | 0.3% | 4.1% | -3.8 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.5M | $2.4M | $3.4M | $5.0M | $4K | 0.22% | 3.99% | 4.41% | 1,386 |
| Q4 2025 | $7.6M | $2.4M | $3.5M | $5.0M | $-4K | -0.05% | 4.18% | 3.57% | 1,385 |
| Q3 2025 | $7.7M | $2.6M | $3.6M | $5.1M | $1K | 0.02% | 4.10% | 2.39% | 1,381 |
| Q2 2025 | $7.8M | $2.7M | $3.7M | $5.1M | $79 | 0.00% | 4.03% | 1.82% | 1,384 |
| Q1 2025 | $7.9M | $2.7M | $3.6M | $5.1M | $6K | 0.29% | 3.95% | 2.46% | 1,399 |
| Q4 2024 | $7.9M | $2.7M | $3.7M | $5.1M | $-31K | -0.39% | 3.51% | 2.70% | 1,401 |
| Q3 2024 | $8.0M | $2.8M | $3.9M | $5.1M | $-23K | -0.38% | 3.41% | 3.20% | 1,407 |
| Q2 2024 | $8.2M | $3.0M | $3.9M | $5.1M | $-14K | -0.33% | 3.23% | 3.77% | 1,406 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.60% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 4.1% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.4M · securities $3.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.7% | 81.5% | 78th |
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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