| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.9 pts |
| Share growth (YoY) | -1.5% | +0.7% | -2.2 pts |
| Loan growth (YoY) | +4.1% | -2.4% | +6.5 pts |
| ROA | -0.44% | 0.60% | -1.0 pts |
| ROE | -3.8% | 4.1% | -7.9 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $59.8M | $52.7M | $28.3M | $6.9M | $-66K | -0.44% | 3.85% | 2.06% | 5,031 |
| Q4 2025 | $57.7M | $51.5M | $28.2M | $7.0M | $-107K | -0.19% | 4.22% | 2.53% | 5,049 |
| Q3 2025 | $60.1M | $53.0M | $28.4M | $7.2M | $58K | 0.13% | 4.08% | 2.62% | 5,070 |
| Q2 2025 | $59.7M | $52.4M | $28.2M | $7.3M | $161K | 0.54% | 2.51% | 2.86% | 5,054 |
| Q1 2025 | $60.8M | $53.6M | $27.2M | $7.2M | $73K | 0.48% | 4.05% | 2.40% | 5,062 |
| Q4 2024 | $35.8M | $31.9M | $22.5M | $4.0M | $292K | 0.81% | 4.81% | 3.28% | 3,622 |
| Q3 2024 | $36.1M | $32.0M | $21.5M | $4.1M | $243K | 0.90% | 4.79% | 1.99% | 3,582 |
| Q2 2024 | $35.7M | $31.8M | $20.7M | $4.0M | $132K | 0.74% | 4.78% | 2.14% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.44% | 0.60% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -3.8% | 4.1% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,520 |
Loan mix (Q1 2026): real estate $7.5M · commercial $20K · consumer $18.8M · securities $18.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.0% | 81.5% | 69th |
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.