| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.8% | +1.3% | -10.1 pts |
| Share growth (YoY) | -10.7% | +0.7% | -11.4 pts |
| Loan growth (YoY) | -10.8% | -2.4% | -8.4 pts |
| ROA | 0.19% | 0.60% | -0.4 pts |
| ROE | 1.1% | 4.1% | -3.0 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $33.3M | $27.5M | $5.0M | $5.8M | $16K | 0.19% | 1.44% | 0.72% | 1,046 |
| Q4 2025 | $31.9M | $26.0M | $5.1M | $5.8M | $91K | 0.29% | 1.42% | 1.09% | 1,044 |
| Q3 2025 | $33.0M | $27.1M | $5.3M | $5.8M | $63K | 0.26% | 1.31% | 3.96% | 1,042 |
| Q2 2025 | $34.8M | $28.9M | $5.4M | $5.8M | $-22K | -0.13% | 1.21% | 3.64% | 1,068 |
| Q1 2025 | $36.6M | $30.8M | $5.6M | $5.7M | $13K | 0.14% | 1.09% | 7.24% | 1,075 |
| Q4 2024 | $35.9M | $30.1M | $5.9M | $5.7M | $-84K | -0.23% | 0.70% | 6.70% | 1,077 |
| Q3 2024 | $36.3M | $30.5M | $6.2M | $5.7M | $-68K | -0.25% | 0.63% | 7.65% | 1,082 |
| Q2 2024 | $37.0M | $31.2M | $6.1M | $5.8M | $-51K | -0.28% | 0.60% | 1.87% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.60% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.44% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,040 |
Loan mix (Q1 2026): real estate $1.7M · commercial $0 · consumer $3.1M · securities $26.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.5% | 81.5% | 53th |
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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