| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +1.3% | -3.9 pts |
| Share growth (YoY) | -3.1% | +0.7% | -3.8 pts |
| Loan growth (YoY) | -21.1% | -2.4% | -18.8 pts |
| ROA | 0.02% | 0.60% | -0.6 pts |
| ROE | 0.2% | 4.1% | -3.9 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 | $9.2M | $7.8M | $3.2M | $1.4M | $574 | 0.02% | 2.98% | 2.05% | 1,929 |
| Q4 2025 | $9.4M | $7.9M | $3.3M | $1.4M | $15K | 0.16% | 2.32% | 2.57% | 1,936 |
| Q3 2025 | $9.7M | $8.2M | $3.5M | $1.4M | $875 | 0.01% | 2.09% | 2.33% | 1,941 |
| Q2 2025 | $9.6M | $8.1M | $3.6M | $1.4M | $2K | 0.03% | 2.15% | 1.81% | 1,946 |
| Q1 2025 | $9.5M | $8.0M | $4.0M | $1.4M | $7K | 0.30% | 2.28% | 1.38% | 1,952 |
| Q4 2024 | $9.5M | $8.0M | $4.3M | $1.4M | $22K | 0.24% | 2.48% | 1.43% | 1,952 |
| Q3 2024 | $9.4M | $8.0M | $4.6M | $1.4M | $20K | 0.29% | 2.55% | 1.52% | 1,960 |
| Q2 2024 | $9.4M | $7.9M | $4.7M | $1.4M | $7K | 0.15% | 2.55% | 0.72% | 1,956 |
| 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 | 0.2% | 4.1% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $4.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.7% | 81.5% | 53th |
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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