| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.8% | +1.3% | -4.1 pts |
| Share growth (YoY) | -3.7% | +0.7% | -4.3 pts |
| Loan growth (YoY) | -19.8% | -2.4% | -17.4 pts |
| ROA | 0.46% | 0.60% | -0.1 pts |
| ROE | 4.1% | 4.1% | -0.0 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.7M | $12.2M | $4.7M | $1.5M | $16K | 0.46% | 4.28% | 1.38% | 1,368 |
| Q4 2025 | $14.1M | $12.6M | $5.0M | $1.5M | $103K | 0.73% | 4.55% | 1.36% | 1,453 |
| Q3 2025 | $15.4M | $13.9M | $5.2M | $1.5M | $92K | 0.80% | 4.23% | 0.22% | 1,455 |
| Q2 2025 | $16.1M | $14.6M | $5.2M | $1.5M | $50K | 0.62% | 3.93% | 1.34% | 1,458 |
| Q1 2025 | $14.1M | $12.6M | $5.9M | $1.4M | $27K | 0.75% | 4.57% | 1.20% | 1,472 |
| Q4 2024 | $13.6M | $12.2M | $6.1M | $1.4M | $164K | 1.20% | 4.89% | 1.15% | 1,502 |
| Q3 2024 | $14.6M | $13.2M | $6.3M | $1.4M | $126K | 1.15% | 4.58% | 2.07% | 1,519 |
| Q2 2024 | $12.4M | $11.0M | $6.4M | $1.3M | $90K | 1.45% | 5.37% | 1.85% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.60% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,535 |
Loan mix (Q1 2026): real estate $3.6M · commercial $0 · consumer $1.1M · securities $4.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.9% | 81.5% | 69th |
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.