| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.7% | +1.3% | -5.0 pts |
| Share growth (YoY) | -5.4% | +0.7% | -6.1 pts |
| Loan growth (YoY) | -3.9% | -2.4% | -1.6 pts |
| ROA | 0.34% | 0.60% | -0.3 pts |
| ROE | 1.9% | 4.1% | -2.2 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $20.5M | $16.7M | $8.1M | $3.7M | $17K | 0.34% | 3.03% | 1.68% | 2,096 |
| Q4 2025 | $20.4M | $16.7M | $8.4M | $3.7M | $89K | 0.44% | 2.98% | 1.63% | 2,259 |
| Q3 2025 | $21.2M | $17.6M | $8.5M | $3.7M | $38K | 0.24% | 2.76% | 1.71% | 2,153 |
| Q2 2025 | $21.4M | $17.8M | $8.2M | $3.6M | $14K | 0.13% | 2.63% | 2.35% | 2,252 |
| Q1 2025 | $21.3M | $17.7M | $8.4M | $3.6M | $253 | 0.00% | 2.62% | 0.96% | 2,171 |
| Q4 2024 | $20.4M | $16.8M | $8.4M | $3.6M | $31K | 0.15% | 2.72% | 2.07% | 2,187 |
| Q3 2024 | $21.6M | $18.1M | $8.4M | $3.6M | $959 | 0.01% | 2.54% | 1.56% | 2,186 |
| Q2 2024 | $21.2M | $17.7M | $8.0M | $3.6M | $-13K | -0.13% | 2.58% | 2.41% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.60% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 4.1% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,175 |
Loan mix (Q1 2026): real estate $24K · commercial $0 · consumer $7.8M · securities $9.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.4% | 81.5% | 62th |
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% |
The full ratio pack is part of CharterBench Pro.