| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +1.3% | -1.6 pts |
| Share growth (YoY) | -1.4% | +0.7% | -2.1 pts |
| Loan growth (YoY) | -16.6% | -2.4% | -14.2 pts |
| ROA | 0.08% | 0.60% | -0.5 pts |
| ROE | 1.2% | 4.1% | -2.9 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $45.7M | $42.6M | $19.3M | $3.1M | $9K | 0.08% | 3.00% | 2.54% | 4,941 |
| Q4 2025 | $45.0M | $42.1M | $20.5M | $3.0M | $170K | 0.38% | 3.08% | 2.32% | 4,953 |
| Q3 2025 | $44.6M | $41.5M | $21.4M | $3.1M | $147K | 0.44% | 3.11% | 2.17% | 4,958 |
| Q2 2025 | $44.7M | $41.9M | $22.0M | $3.0M | $86K | 0.39% | 2.97% | 2.21% | 4,966 |
| Q1 2025 | $45.8M | $43.2M | $23.1M | $2.9M | $-47K | -0.41% | 2.89% | 1.98% | 4,966 |
| Q4 2024 | $46.5M | $43.9M | $24.2M | $2.9M | $-82K | -0.18% | 2.84% | 1.78% | 4,956 |
| Q3 2024 | $46.2M | $43.4M | $25.5M | $3.0M | $-70K | -0.20% | 2.86% | 2.09% | 4,955 |
| Q2 2024 | $45.9M | $43.4M | $26.7M | $3.0M | $-31K | -0.14% | 2.87% | 1.49% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | 0.60% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 4.1% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,949 |
Loan mix (Q1 2026): real estate $1.7M · commercial $0 · consumer $14.4M · securities $20.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.8% | 81.5% | 65th |
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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