| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +1.3% | +4.1 pts |
| Share growth (YoY) | +5.7% | +0.7% | +5.0 pts |
| Loan growth (YoY) | -12.5% | -2.4% | -10.2 pts |
| ROA | -0.02% | 0.60% | -0.6 pts |
| ROE | -0.2% | 4.1% | -4.3 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $47.6M | $40.8M | $29.9M | $6.6M | $-3K | -0.02% | 4.68% | 1.32% | 7,818 |
| Q4 2025 | $45.5M | $38.7M | $31.9M | $6.6M | $76K | 0.17% | 5.24% | 1.14% | 7,144 |
| Q3 2025 | $44.8M | $38.2M | $32.4M | $6.3M | $-270K | -0.80% | 5.28% | 1.11% | 7,175 |
| Q2 2025 | $44.9M | $38.5M | $33.4M | $6.7M | $-230K | -1.02% | 5.19% | 0.90% | 7,700 |
| Q1 2025 | $45.2M | $38.7M | $34.2M | $6.8M | $-68K | -0.60% | 5.13% | 0.91% | 7,569 |
| Q4 2024 | $43.2M | $36.4M | $35.2M | $6.9M | $140K | 0.32% | 4.88% | 0.92% | 7,581 |
| Q3 2024 | $43.8M | $37.1M | $34.3M | $6.8M | $89K | 0.27% | 4.63% | 0.74% | 7,596 |
| Q2 2024 | $46.9M | $40.3M | $35.4M | $6.8M | $40K | 0.17% | 4.13% | 0.70% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.02% | 0.60% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | -0.2% | 4.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.68% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,595 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $29.3M · securities $5.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.4% | 81.5% | 66th |
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.