| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.0% | +1.3% | -7.3 pts |
| Share growth (YoY) | -4.7% | +0.7% | -5.3 pts |
| Loan growth (YoY) | -14.4% | -2.4% | -12.0 pts |
| ROA | -0.62% | 0.60% | -1.2 pts |
| ROE | -6.3% | 4.1% | -10.4 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $69.3M | $61.7M | $34.3M | $6.8M | $-108K | -0.62% | 2.87% | 0.56% | 2,188 |
| Q4 2025 | $73.0M | $64.8M | $35.2M | $6.9M | $-1.8M | -2.45% | 2.57% | 0.31% | 2,228 |
| Q3 2025 | $73.4M | $65.1M | $38.1M | $7.4M | $-1.4M | -2.53% | 2.54% | 0.68% | 2,261 |
| Q2 2025 | $73.6M | $64.9M | $39.3M | $7.9M | $-911K | -2.48% | 2.45% | 1.35% | 2,291 |
| Q1 2025 | $73.7M | $64.7M | $40.1M | $8.3M | $-439K | -2.38% | 2.37% | 1.37% | 2,376 |
| Q4 2024 | $71.8M | $62.2M | $42.2M | $8.8M | $-1.2M | -1.70% | 2.96% | 1.32% | 2,344 |
| Q3 2024 | $72.3M | $62.1M | $45.9M | $9.0M | $-1.1M | -1.97% | 3.03% | 1.38% | 2,383 |
| Q2 2024 | $74.0M | $63.1M | $47.7M | $9.8M | $-309K | -0.84% | 3.23% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.62% | 0.60% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -6.3% | 4.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.87% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2.10% |
| 2,388 |
Loan mix (Q1 2026): real estate $18.5M · commercial $0 · consumer $7.9M · securities $14.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 104.1% | 81.5% | 87th |
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.