| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +1.3% | -1.6 pts |
| Share growth (YoY) | +1.1% | +0.7% | +0.4 pts |
| Loan growth (YoY) | -7.5% | -2.4% | -5.2 pts |
| ROA | -0.86% | 0.60% | -1.5 pts |
| ROE | -18.2% | 4.1% | -22.3 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 | $11.7M | $11.0M | $8.4M | $557K | $-25K | -0.86% | 4.43% | 2.18% | 805 |
| Q4 2025 | $11.5M | $10.8M | $8.6M | $582K | $-135K | -1.17% | 4.30% | 3.92% | 806 |
| Q3 2025 | $11.7M | $11.1M | $8.6M | $557K | $-161K | -1.82% | 4.10% | 4.32% | 806 |
| Q2 2025 | $12.1M | $11.4M | $8.9M | $629K | $-82K | -1.35% | 3.90% | 4.80% | 805 |
| Q1 2025 | $11.7M | $10.9M | $9.1M | $751K | $10K | 0.35% | 3.97% | 4.15% | 814 |
| Q4 2024 | $11.3M | $10.5M | $9.3M | $741K | $-46K | -0.41% | 3.91% | 6.71% | 812 |
| Q3 2024 | $11.5M | $10.6M | $9.4M | $786K | $-1K | -0.01% | 4.32% | 4.11% | 809 |
| Q2 2024 | $11.1M | $10.3M | $9.5M | $784K | $-26K | -0.47% | 4.47% | 2.45% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.86% | 0.60% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -18.2% | 4.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 894 |
Loan mix (Q1 2026): real estate $1.8M · commercial $49K · consumer $6.6M · securities $873K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 81.5% | 47th |
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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