| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +1.3% | -3.1 pts |
| Share growth (YoY) | -2.8% | +0.7% | -3.5 pts |
| Loan growth (YoY) | -3.2% | -2.4% | -0.8 pts |
| ROA | 0.03% | 0.60% | -0.6 pts |
| ROE | 0.2% | 4.1% | -3.9 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.6M | $11.5M | $3.0M | $2.1M | $952 | 0.03% | 3.00% | 0.00% | 1,133 |
| Q4 2025 | $13.0M | $10.8M | $3.1M | $2.1M | $67K | 0.52% | 3.22% | 0.00% | 1,144 |
| Q3 2025 | $13.2M | $11.1M | $3.0M | $2.1M | $58K | 0.58% | 3.18% | 0.00% | 1,150 |
| Q2 2025 | $13.5M | $11.4M | $2.9M | $2.1M | $36K | 0.53% | 3.08% | 0.30% | 1,167 |
| Q1 2025 | $13.9M | $11.8M | $3.1M | $2.0M | $21K | 0.59% | 2.88% | 0.33% | 1,174 |
| Q4 2024 | $13.6M | $11.5M | $3.1M | $2.0M | $70K | 0.52% | 2.93% | 0.35% | 1,181 |
| Q3 2024 | $13.7M | $11.8M | $2.8M | $2.0M | $50K | 0.48% | 2.87% | 0.38% | 1,195 |
| Q2 2024 | $14.1M | $12.1M | $3.0M | $2.0M | $25K | 0.36% | 2.79% | 0.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.60% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 4.1% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,214 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $9.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.8% | 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.