| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +3.2% | +0.7% | +2.5 pts |
| Loan growth (YoY) | -4.6% | -2.4% | -2.2 pts |
| ROA | -0.09% | 0.60% | -0.7 pts |
| ROE | -1.4% | 4.1% | -5.5 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $19.8M | $18.5M | $16.4M | $1.3M | $-5K | -0.09% | 0.78% | 0.16% | 527 |
| Q4 2025 | $19.3M | $17.9M | $16.5M | $1.3M | $-70K | -0.36% | 0.48% | 0.02% | 519 |
| Q3 2025 | $19.4M | $18.1M | $16.2M | $1.3M | $-59K | -0.41% | 0.42% | 0.03% | 518 |
| Q2 2025 | $19.2M | $17.9M | $16.6M | $1.3M | $-42K | -0.44% | 0.39% | 0.12% | 519 |
| Q1 2025 | $19.4M | $17.9M | $17.2M | $1.4M | $-26K | -0.54% | 0.32% | 0.12% | 522 |
| Q4 2024 | $19.4M | $18.0M | $16.9M | $1.4M | $-120K | -0.62% | 0.23% | 0.33% | 522 |
| Q3 2024 | $19.1M | $17.4M | $17.1M | $1.4M | $-94K | -0.66% | 0.24% | 0.05% | 521 |
| Q2 2024 | $19.9M | $18.4M | $17.5M | $1.4M | $-63K | -0.64% | 0.22% | 0.03% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.09% | 0.60% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -1.4% | 4.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.78% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 518 |
Loan mix (Q1 2026): real estate $14.3M · commercial $0 · consumer $1.7M · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 112.0% | 81.5% | 92th |
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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