| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.7% | +1.3% | -9.0 pts |
| Share growth (YoY) | -10.1% | +0.7% | -10.8 pts |
| Loan growth (YoY) | -1.2% | -2.4% | +1.2 pts |
| ROA | -0.25% | 0.60% | -0.9 pts |
| ROE | -1.5% | 4.1% | -5.7 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $22.3M | $18.8M | $7.5M | $3.6M | $-14K | -0.25% | 3.05% | 0.27% | 2,210 |
| Q4 2025 | $22.4M | $19.0M | $7.4M | $3.7M | $-108K | -0.48% | 3.06% | 2.57% | 2,192 |
| Q3 2025 | $22.4M | $19.0M | $7.0M | $3.7M | $-117K | -0.69% | 3.06% | 2.45% | 2,174 |
| Q2 2025 | $23.4M | $20.1M | $7.3M | $3.7M | $-80K | -0.69% | 2.89% | 2.77% | 2,163 |
| Q1 2025 | $24.1M | $21.0M | $7.6M | $3.7M | $-91K | -1.51% | 2.75% | 2.77% | 2,151 |
| Q4 2024 | $23.7M | $20.5M | $7.8M | $3.8M | $-229K | -0.97% | 2.88% | 2.65% | 2,131 |
| Q3 2024 | $23.2M | $20.0M | $8.0M | $3.8M | $-189K | -1.08% | 2.92% | 2.51% | 2,114 |
| Q2 2024 | $23.4M | $20.4M | $8.1M | $3.9M | $-124K | -1.06% | 2.87% | 2.03% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.25% | 0.60% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -1.5% | 4.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,167 |
Loan mix (Q1 2026): real estate $3.2M · commercial $0 · consumer $4.0M · securities $12.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.8% | 81.5% | 72th |
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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