| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.0% | +1.3% | -5.3 pts |
| Share growth (YoY) | -4.8% | +0.7% | -5.5 pts |
| Loan growth (YoY) | -21.9% | -2.4% | -19.5 pts |
| ROA | -0.11% | 0.60% | -0.7 pts |
| ROE | -0.9% | 4.1% | -5.0 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $57.8M | $50.4M | $24.2M | $7.2M | $-16K | -0.11% | 3.98% | 1.06% | 4,492 |
| Q4 2025 | $57.2M | $49.8M | $25.8M | $7.2M | $-346K | -0.60% | 4.34% | 0.94% | 6,285 |
| Q3 2025 | $58.1M | $50.4M | $27.5M | $7.5M | $-18K | -0.04% | 4.30% | 1.93% | 6,413 |
| Q2 2025 | $58.0M | $50.8M | $29.5M | $7.5M | $-81K | -0.28% | 4.28% | 2.02% | 6,372 |
| Q1 2025 | $60.2M | $52.9M | $31.0M | $7.5M | $-51K | -0.34% | 4.06% | 1.27% | 6,499 |
| Q4 2024 | $59.3M | $51.6M | $32.5M | $7.5M | $-165K | -0.28% | 4.13% | 1.42% | 6,735 |
| Q3 2024 | $60.6M | $52.9M | $34.2M | $7.6M | $-108K | -0.24% | 4.04% | 1.17% | 6,812 |
| Q2 2024 | $61.5M | $54.0M | $34.2M | $7.8M | $142K | 0.46% | 3.88% | 1.31% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.11% | 0.60% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -0.9% | 4.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,793 |
Loan mix (Q1 2026): real estate $6.2M · commercial $0 · consumer $17.0M · securities $21.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.7% | 81.5% | 83th |
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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