| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +1.3% | -4.8 pts |
| Share growth (YoY) | -4.3% | +0.7% | -5.0 pts |
| Loan growth (YoY) | +0.0% | -2.4% | +2.4 pts |
| ROA | 0.32% | 0.60% | -0.3 pts |
| ROE | 3.1% | 4.1% | -1.0 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.4M | $16.5M | $10.5M | $1.9M | $15K | 0.32% | 4.41% | 1.04% | 2,253 |
| Q4 2025 | $18.2M | $16.2M | $10.5M | $1.9M | $65K | 0.36% | 4.07% | 1.57% | 2,255 |
| Q3 2025 | $18.6M | $16.7M | $10.4M | $1.9M | $57K | 0.41% | 3.87% | 1.55% | 2,247 |
| Q2 2025 | $18.7M | $16.8M | $10.6M | $1.9M | $49K | 0.53% | 3.78% | 1.92% | 2,245 |
| Q1 2025 | $19.1M | $17.2M | $10.5M | $1.9M | $13K | 0.28% | 3.51% | 1.81% | 2,235 |
| Q4 2024 | $17.8M | $15.9M | $10.6M | $1.8M | $66K | 0.37% | 3.76% | 1.81% | 2,216 |
| Q3 2024 | $17.4M | $15.6M | $10.6M | $1.8M | $51K | 0.39% | 3.74% | 2.30% | 2,222 |
| Q2 2024 | $17.6M | $15.8M | $10.5M | $1.8M | $18K | 0.21% | 3.58% | 1.36% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.60% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 4.1% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,214 |
Loan mix (Q1 2026): real estate $1.7M · commercial $0 · consumer $8.4M · securities $5.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.2% | 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.