| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +1.3% | -3.0 pts |
| Share growth (YoY) | -2.3% | +0.7% | -2.9 pts |
| Loan growth (YoY) | -12.3% | -2.4% | -9.9 pts |
| ROA | -0.06% | 0.60% | -0.7 pts |
| ROE | -0.3% | 4.1% | -4.4 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $22.9M | $18.8M | $8.0M | $4.1M | $-3K | -0.06% | 3.14% | 0.82% | 1,922 |
| Q4 2025 | $23.2M | $19.1M | $8.3M | $4.1M | $89K | 0.38% | 3.20% | 0.92% | 1,918 |
| Q3 2025 | $23.2M | $19.1M | $8.5M | $4.1M | $71K | 0.41% | 3.13% | 1.23% | 1,916 |
| Q2 2025 | $22.9M | $18.8M | $9.0M | $4.1M | $52K | 0.46% | 3.17% | 0.98% | 1,906 |
| Q1 2025 | $23.3M | $19.2M | $9.1M | $4.1M | $34K | 0.59% | 3.03% | 1.41% | 1,932 |
| Q4 2024 | $22.9M | $18.8M | $9.2M | $4.0M | $69K | 0.30% | 2.98% | 0.76% | 1,922 |
| Q3 2024 | $23.1M | $19.1M | $9.2M | $4.0M | $22K | 0.13% | 2.86% | 0.52% | 1,939 |
| Q2 2024 | $24.1M | $20.1M | $9.1M | $3.9M | $-7K | -0.06% | 2.64% | 0.88% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.06% | 0.60% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | -0.3% | 4.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,909 |
Loan mix (Q1 2026): real estate $2.6M · commercial $0 · consumer $5.3M · securities $11.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.1% | 81.5% | 80th |
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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