| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +1.3% | -1.1 pts |
| Share growth (YoY) | +0.6% | +0.7% | -0.1 pts |
| Loan growth (YoY) | -9.4% | -2.4% | -7.1 pts |
| ROA | -2.04% | 0.60% | -2.6 pts |
| ROE | -15.3% | 4.1% | -19.4 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 | $9.4M | $8.1M | $5.4M | $1.2M | $-48K | -2.04% | 4.52% | 1.60% | 1,240 |
| Q4 2025 | $9.0M | $7.7M | $5.8M | $1.3M | $46K | 0.51% | 5.03% | 2.65% | 1,250 |
| Q3 2025 | $9.1M | $7.7M | $6.0M | $1.3M | $72K | 1.06% | 4.99% | 1.03% | 1,282 |
| Q2 2025 | $9.3M | $8.0M | $6.1M | $1.3M | $31K | 0.67% | 4.61% | 1.44% | 1,286 |
| Q1 2025 | $9.4M | $8.0M | $6.0M | $1.3M | $14K | 0.61% | 4.29% | 1.16% | 1,267 |
| Q4 2024 | $9.2M | $7.9M | $6.1M | $1.3M | $139K | 1.51% | 4.74% | 1.73% | 1,266 |
| Q3 2024 | $9.2M | $7.9M | $6.2M | $1.2M | $127K | 1.85% | 4.88% | 1.27% | 1,168 |
| Q2 2024 | $9.9M | $8.6M | $6.2M | $1.2M | $102K | 2.06% | 4.79% | 0.90% | 1,275 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.04% | 0.60% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -15.3% | 4.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.52% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $196K · commercial $0 · consumer $4.5M · securities $3.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.7% | 81.5% | 60th |
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.