| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.2% | +1.3% | -5.5 pts |
| Share growth (YoY) | -4.6% | +0.7% | -5.3 pts |
| Loan growth (YoY) | -3.0% | -2.4% | -0.7 pts |
| ROA | -0.90% | 0.60% | -1.5 pts |
| ROE | -7.2% | 4.1% | -11.3 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 | $26.3M | $22.7M | $18.6M | $3.3M | $-59K | -0.90% | 5.16% | 0.97% | 2,787 |
| Q4 2025 | $25.0M | $21.5M | $18.6M | $3.3M | $104K | 0.41% | 5.59% | 0.76% | 2,807 |
| Q3 2025 | $25.2M | $21.7M | $18.8M | $3.3M | $79K | 0.42% | 5.55% | 0.72% | 2,871 |
| Q2 2025 | $26.2M | $22.6M | $19.4M | $3.3M | $31K | 0.24% | 5.26% | 0.54% | 2,900 |
| Q1 2025 | $27.4M | $23.8M | $19.2M | $3.3M | $17K | 0.24% | 4.92% | 0.78% | 2,893 |
| Q4 2024 | $25.9M | $21.0M | $19.5M | $3.3M | $-126K | -0.49% | 5.42% | 2.06% | 2,911 |
| Q3 2024 | $26.9M | $23.4M | $19.2M | $3.4M | $-44K | -0.22% | 5.23% | 0.44% | 2,934 |
| Q2 2024 | $27.2M | $23.7M | $19.5M | $3.3M | $-94K | -0.69% | 5.12% | 0.99% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.90% | 0.60% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -7.2% | 4.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.16% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,950 |
Loan mix (Q1 2026): real estate $3.4M · commercial $0 · consumer $13.9M · securities $5.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 110.9% | 81.5% | 91th |
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.