| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +1.3% | -0.4 pts |
| Share growth (YoY) | +1.5% | +0.7% | +0.8 pts |
| Loan growth (YoY) | -9.3% | -2.4% | -6.9 pts |
| ROA | -1.48% | 0.60% | -2.1 pts |
| ROE | -18.8% | 4.1% | -22.9 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.3M | $16.7M | $2.9M | $1.4M | $-68K | -1.48% | 0.87% | 0.00% | 1,009 |
| Q4 2025 | $18.1M | $16.5M | $3.1M | $1.5M | $16K | 0.09% | 1.94% | 0.00% | 1,009 |
| Q3 2025 | $18.0M | $16.4M | $3.2M | $1.5M | $111 | 0.00% | 1.91% | 0.00% | 1,012 |
| Q2 2025 | $18.4M | $16.7M | $3.3M | $1.5M | $42K | 0.45% | 2.04% | 0.00% | 1,010 |
| Q1 2025 | $18.1M | $16.5M | $3.2M | $1.5M | $7K | 0.15% | 1.98% | 0.00% | 1,023 |
| Q4 2024 | $17.6M | $16.0M | $3.2M | $1.5M | $37K | 0.21% | 2.11% | 0.00% | 1,031 |
| Q3 2024 | $17.9M | $16.3M | $3.3M | $1.5M | $17K | 0.12% | 2.01% | 0.00% | 1,049 |
| Q2 2024 | $17.7M | $16.1M | $3.3M | $1.5M | $19K | 0.21% | 1.98% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.48% | 0.60% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -18.8% | 4.1% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.87% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,060 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.9M · securities $11.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 253.8% | 81.5% | 99th |
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.