| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +1.3% | -3.7 pts |
| Share growth (YoY) | -3.1% | +0.7% | -3.8 pts |
| Loan growth (YoY) | -2.3% | -2.4% | +0.1 pts |
| ROA | 0.11% | 0.60% | -0.5 pts |
| ROE | 0.7% | 4.1% | -3.4 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $53.8M | $44.6M | $41.9M | $8.7M | $15K | 0.11% | 7.15% | 3.89% | 6,982 |
| Q4 2025 | $53.1M | $43.8M | $42.9M | $8.7M | $261K | 0.49% | 7.47% | 2.51% | 7,046 |
| Q3 2025 | $53.5M | $44.2M | $42.8M | $8.8M | $322K | 0.80% | 7.45% | 2.25% | 7,044 |
| Q2 2025 | $55.4M | $46.1M | $42.7M | $8.7M | $275K | 0.99% | 7.26% | 1.86% | 7,281 |
| Q1 2025 | $55.1M | $46.0M | $42.9M | $8.6M | $123K | 0.89% | 7.12% | 2.93% | 7,287 |
| Q4 2024 | $53.9M | $45.0M | $43.6M | $8.4M | $417K | 0.77% | 7.43% | 3.64% | 7,298 |
| Q3 2024 | $54.2M | $45.2M | $43.5M | $8.6M | $489K | 1.20% | 7.37% | 3.92% | 7,338 |
| Q2 2024 | $56.7M | $47.3M | $42.7M | $8.3M | $282K | 0.99% | 6.92% | 3.60% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.11% | 0.60% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 4.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.15% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,573 |
Loan mix (Q1 2026): real estate $16.6M · commercial $0 · consumer $24.1M · securities $2.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.4% | 81.5% | 70th |
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.