| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.8 pts |
| Share growth (YoY) | -2.6% | +0.7% | -3.3 pts |
| Loan growth (YoY) | -9.2% | -2.4% | -6.8 pts |
| ROA | 0.32% | 0.60% | -0.3 pts |
| ROE | 1.9% | 4.1% | -2.2 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $57.0M | $47.1M | $32.8M | $9.6M | $46K | 0.32% | 3.28% | 0.00% | 2,606 |
| Q4 2025 | $58.2M | $48.4M | $33.4M | $9.6M | $385K | 0.66% | 3.20% | 0.02% | 2,648 |
| Q3 2025 | $57.1M | $47.4M | $34.3M | $9.5M | $317K | 0.74% | 3.25% | 0.00% | 2,681 |
| Q2 2025 | $58.4M | $48.9M | $35.7M | $9.4M | $178K | 0.61% | 3.13% | 0.01% | 2,673 |
| Q1 2025 | $57.8M | $48.4M | $36.1M | $9.2M | $15K | 0.11% | 3.05% | 0.00% | 2,634 |
| Q4 2024 | $57.5M | $48.1M | $36.5M | $9.2M | $387K | 0.67% | 3.09% | 0.04% | 2,592 |
| Q3 2024 | $57.6M | $48.3M | $37.2M | $9.1M | $262K | 0.61% | 3.08% | 0.00% | 2,572 |
| Q2 2024 | $58.8M | $49.6M | $37.3M | $9.0M | $167K | 0.57% | 2.97% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.60% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 4.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,526 |
Loan mix (Q1 2026): real estate $8.0M · commercial $0 · consumer $17.0M · securities $18.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.9% | 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.