| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +1.3% | +1.5 pts |
| Share growth (YoY) | +3.5% | +0.7% | +2.9 pts |
| Loan growth (YoY) | -7.5% | -2.4% | -5.1 pts |
| ROA | 0.02% | 0.60% | -0.6 pts |
| ROE | 0.1% | 4.1% | -4.0 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.6M | $5.9M | $2.5M | $1.6M | $450 | 0.02% | 3.16% | 5.07% | 744 |
| Q4 2025 | $7.6M | $6.0M | $2.7M | $1.6M | $3K | 0.05% | 3.25% | 4.63% | 741 |
| Q3 2025 | $7.6M | $5.9M | $2.7M | $1.6M | $4K | 0.07% | 3.25% | 3.89% | 736 |
| Q2 2025 | $7.5M | $5.8M | $2.7M | $1.6M | $3K | 0.08% | 3.13% | 5.63% | 731 |
| Q1 2025 | $7.4M | $5.7M | $2.7M | $1.6M | $508 | 0.03% | 3.39% | 4.14% | 754 |
| Q4 2024 | $7.3M | $5.6M | $2.7M | $1.6M | $2K | 0.03% | 3.52% | 2.05% | 751 |
| Q3 2024 | $7.4M | $5.8M | $2.9M | $1.6M | $2K | 0.04% | 3.45% | 1.83% | 767 |
| Q2 2024 | $7.5M | $5.7M | $3.1M | $1.6M | $2K | 0.05% | 3.49% | 2.29% | 759 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $4.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 0.60% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 4.1% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.3% | 81.5% | 84th |
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.