| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +1.3% | -1.6 pts |
| Share growth (YoY) | -1.0% | +0.7% | -1.7 pts |
| Loan growth (YoY) | -9.7% | -2.4% | -7.3 pts |
| ROA | 0.31% | 0.60% | -0.3 pts |
| ROE | 1.1% | 4.1% | -3.0 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 | $21.9M | $15.5M | $16.3M | $6.3M | $17K | 0.31% | 4.59% | 2.03% | 2,355 |
| Q4 2025 | $22.5M | $16.1M | $17.0M | $6.3M | $144K | 0.64% | 4.57% | 3.49% | 2,366 |
| Q3 2025 | $22.3M | $15.9M | $17.5M | $6.2M | $127K | 0.76% | 4.58% | 3.72% | 2,357 |
| Q2 2025 | $22.0M | $15.6M | $18.1M | $6.2M | $97K | 0.88% | 4.52% | 3.65% | 2,360 |
| Q1 2025 | $22.0M | $15.7M | $18.0M | $6.2M | $49K | 0.90% | 4.41% | 3.78% | 2,343 |
| Q4 2024 | $21.7M | $15.4M | $17.7M | $6.1M | $109K | 0.50% | 4.37% | 4.27% | 2,320 |
| Q3 2024 | $22.3M | $16.0M | $17.9M | $6.1M | $135K | 0.81% | 4.17% | 4.05% | 2,355 |
| Q2 2024 | $21.7M | $15.4M | $17.6M | $6.1M | $97K | 0.89% | 4.27% | 3.36% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.60% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.59% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,599 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $15.7M · securities $4.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.8% | 81.5% | 3th |
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% |
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