| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.8% | +1.3% | -13.1 pts |
| Share growth (YoY) | -13.0% | +0.7% | -13.7 pts |
| Loan growth (YoY) | -15.5% | -2.4% | -13.1 pts |
| ROA | -1.54% | 0.60% | -2.1 pts |
| ROE | -10.3% | 4.1% | -14.4 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.8M | $11.4M | $8.8M | $2.1M | $-53K | -1.54% | 4.46% | 0.06% | 2,380 |
| Q4 2025 | $14.0M | $11.6M | $9.1M | $2.1M | $12K | 0.08% | 4.71% | 0.01% | 2,392 |
| Q3 2025 | $14.1M | $11.7M | $9.7M | $2.1M | $25K | 0.24% | 4.69% | 0.00% | 2,392 |
| Q2 2025 | $14.5M | $12.0M | $9.8M | $2.1M | $14K | 0.19% | 3.32% | 0.05% | 2,414 |
| Q1 2025 | $15.6M | $13.2M | $10.4M | $2.1M | $18K | 0.46% | 4.08% | 0.15% | 2,645 |
| Q4 2024 | $16.9M | $14.4M | $10.7M | $2.1M | $31K | 0.18% | 3.81% | 0.23% | 2,645 |
| Q3 2024 | $17.6M | $15.0M | $11.5M | $2.1M | $67K | 0.51% | 3.71% | 0.32% | 2,653 |
| Q2 2024 | $18.1M | $15.6M | $11.9M | $2.1M | $52K | 0.58% | 3.40% | 0.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.54% | 0.60% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -10.3% | 4.1% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,658 |
Loan mix (Q1 2026): real estate $148K · commercial $0 · consumer $7.7M · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 127.7% | 81.5% | 96th |
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.