| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +1.3% | +4.2 pts |
| Share growth (YoY) | +7.9% | +0.7% | +7.2 pts |
| Loan growth (YoY) | -9.0% | -2.4% | -6.6 pts |
| ROA | -0.17% | 0.60% | -0.8 pts |
| ROE | -0.8% | 4.1% | -4.9 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $74.6M | $59.1M | $37.6M | $15.4M | $-31K | -0.17% | 2.41% | 2.50% | 4,310 |
| Q4 2025 | $73.0M | $57.1M | $38.9M | $15.5M | $230K | 0.32% | 2.74% | 2.31% | 4,293 |
| Q3 2025 | $72.1M | $56.3M | $40.4M | $15.4M | $191K | 0.35% | 2.76% | 1.40% | 4,297 |
| Q2 2025 | $70.6M | $54.5M | $41.1M | $15.3M | $119K | 0.34% | 2.81% | 1.64% | 4,317 |
| Q1 2025 | $70.7M | $54.8M | $41.3M | $15.3M | $58K | 0.33% | 2.79% | 1.78% | 4,355 |
| Q4 2024 | $67.9M | $52.5M | $41.7M | $15.2M | $427K | 0.63% | 2.87% | 2.08% | 4,326 |
| Q3 2024 | $67.5M | $51.7M | $42.5M | $15.2M | $351K | 0.69% | 2.87% | 2.22% | 4,386 |
| Q2 2024 | $67.8M | $52.2M | $43.6M | $15.0M | $212K | 0.62% | 2.82% | 1.86% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.17% | 0.60% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -0.8% | 4.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.41% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,380 |
Loan mix (Q1 2026): real estate $10.7M · commercial $0 · consumer $23.1M · securities $24.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.2% | 81.5% | 82th |
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.