| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +1.3% | -0.9 pts |
| Share growth (YoY) | -10.3% | +0.7% | -10.9 pts |
| Loan growth (YoY) | +3.4% | -2.4% | +5.8 pts |
| ROA | -1.76% | 0.60% | -2.4 pts |
| ROE | -11.1% | 4.1% | -15.2 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $36.7M | $29.2M | $11.4M | $5.8M | $-161K | -1.76% | 2.88% | 0.74% | 1,797 |
| Q4 2025 | $45.0M | $29.2M | $10.8M | $6.0M | $130K | 0.29% | 2.09% | 3.23% | 1,823 |
| Q3 2025 | $33.3M | $30.3M | $11.0M | $6.0M | $182K | 0.73% | 2.92% | 2.07% | 1,829 |
| Q2 2025 | $36.2M | $31.1M | $10.8M | $6.0M | $68K | 0.38% | 2.51% | 1.23% | 1,859 |
| Q1 2025 | $36.5M | $32.5M | $11.0M | $5.9M | $14K | 0.15% | 1.80% | 2.77% | 1,897 |
| Q4 2024 | $36.9M | $32.7M | $11.2M | $5.9M | $-1.1M | -2.90% | 2.34% | 2.65% | 1,894 |
| Q3 2024 | $37.8M | $31.7M | $11.5M | $6.0M | $-57K | -0.20% | 2.45% | 2.27% | 1,901 |
| Q2 2024 | $37.3M | $31.2M | $11.7M | $6.0M | $-84K | -0.45% | 2.56% | 1.44% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.76% | 0.60% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -11.1% | 4.1% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,908 |
Loan mix (Q1 2026): real estate $5.2M · commercial $0 · consumer $6.1M · securities $14.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 155.6% | 81.5% | 98th |
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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