| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +1.3% | +1.2 pts |
| Share growth (YoY) | +1.5% | +0.7% | +0.8 pts |
| Loan growth (YoY) | -2.6% | -2.4% | -0.3 pts |
| ROA | -0.04% | 0.60% | -0.6 pts |
| ROE | -0.5% | 4.1% | -4.6 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $29.6M | $26.8M | $13.9M | $2.6M | $-3K | -0.04% | 4.13% | 0.14% | 3,819 |
| Q4 2025 | $29.6M | $26.8M | $14.2M | $2.6M | $172K | 0.58% | 4.03% | 0.12% | 3,830 |
| Q3 2025 | $29.1M | $26.3M | $14.5M | $2.6M | $211K | 0.97% | 3.91% | 0.12% | 3,845 |
| Q2 2025 | $29.5M | $26.8M | $14.5M | $2.6M | $187K | 1.26% | 3.92% | 0.15% | 3,857 |
| Q1 2025 | $28.9M | $26.5M | $14.3M | $2.4M | $20K | 0.27% | 3.97% | 0.15% | 4,326 |
| Q4 2024 | $28.4M | $25.8M | $14.9M | $2.4M | $133K | 0.47% | 4.09% | 0.19% | 4,313 |
| Q3 2024 | $29.2M | $26.3M | $14.7M | $2.3M | $7K | 0.03% | 3.89% | 0.22% | 4,311 |
| Q2 2024 | $29.2M | $26.7M | $15.0M | $2.3M | $60K | 0.41% | 3.87% | 0.11% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.04% | 0.60% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | -0.5% | 4.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,334 |
Loan mix (Q1 2026): real estate $1.9M · commercial $0 · consumer $10.3M · securities $10.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.0% | 81.5% | 83th |
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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