| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +1.3% | -3.0 pts |
| Share growth (YoY) | -1.0% | +0.7% | -1.6 pts |
| Loan growth (YoY) | -9.0% | -2.4% | -6.7 pts |
| ROA | -0.36% | 0.60% | -1.0 pts |
| ROE | -2.8% | 4.1% | -6.9 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $68.8M | $59.5M | $30.5M | $9.0M | $-62K | -0.36% | 2.56% | 0.94% | 3,725 |
| Q4 2025 | $67.7M | $58.4M | $29.7M | $9.2M | $435K | 0.64% | 2.85% | 1.04% | 3,749 |
| Q3 2025 | $69.0M | $59.7M | $30.8M | $9.1M | $365K | 0.71% | 2.97% | 0.39% | 3,794 |
| Q2 2025 | $71.1M | $61.8M | $32.6M | $8.9M | $182K | 0.51% | 2.80% | 0.52% | 3,926 |
| Q1 2025 | $70.0M | $60.1M | $33.5M | $8.8M | $92K | 0.53% | 2.77% | 0.30% | 3,981 |
| Q4 2024 | $70.3M | $61.3M | $34.8M | $8.8M | $-238K | -0.34% | 2.66% | 0.37% | 3,975 |
| Q3 2024 | $70.8M | $61.6M | $34.0M | $8.9M | $-184K | -0.35% | 2.63% | 0.51% | 4,000 |
| Q2 2024 | $73.7M | $64.4M | $36.1M | $8.9M | $-244K | -0.66% | 2.51% | 0.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.36% | 0.60% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -2.8% | 4.1% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.56% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,046 |
Loan mix (Q1 2026): real estate $23.3M · commercial $0 · consumer $6.9M · securities $27.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.7% | 81.5% | 89th |
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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