| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +1.3% | -3.5 pts |
| Share growth (YoY) | -1.1% | +0.7% | -1.7 pts |
| Loan growth (YoY) | -17.7% | -2.4% | -15.4 pts |
| ROA | -0.87% | 0.60% | -1.5 pts |
| ROE | -5.6% | 4.1% | -9.7 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $58.6M | $48.6M | $37.7M | $9.1M | $-128K | -0.87% | 2.83% | 0.90% | 5,462 |
| Q4 2025 | $57.5M | $47.5M | $39.6M | $9.2M | $-873K | -1.52% | 3.18% | 1.15% | 5,486 |
| Q3 2025 | $57.9M | $47.5M | $42.2M | $9.6M | $-459K | -1.06% | 3.22% | 2.54% | 5,553 |
| Q2 2025 | $59.4M | $48.7M | $43.9M | $9.9M | $-166K | -0.56% | 3.18% | 2.28% | 5,905 |
| Q1 2025 | $59.9M | $49.2M | $45.8M | $10.0M | $-70K | -0.47% | 3.14% | 0.81% | 5,940 |
| Q4 2024 | $59.1M | $48.3M | $47.3M | $10.1M | $-484K | -0.82% | 3.43% | 1.46% | 5,991 |
| Q3 2024 | $59.1M | $47.7M | $49.7M | $10.5M | $-15K | -0.03% | 3.49% | 2.34% | 6,042 |
| Q2 2024 | $59.2M | $47.8M | $50.2M | $10.6M | $28K | 0.09% | 3.56% | 1.37% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.87% | 0.60% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -5.6% | 4.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.83% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,145 |
Loan mix (Q1 2026): real estate $4.0M · commercial $804K · consumer $27.5M · securities $6.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 109.4% | 81.5% | 90th |
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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