| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +1.3% | +3.6 pts |
| Share growth (YoY) | +5.8% | +0.7% | +5.1 pts |
| Loan growth (YoY) | +42.1% | -2.4% | +44.5 pts |
| ROA | -0.87% | 0.60% | -1.5 pts |
| ROE | -6.9% | 4.1% | -11.0 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.9M | $7.7M | $4.6M | $1.1M | $-19K | -0.87% | 3.95% | 2.98% | 812 |
| Q4 2025 | $9.0M | $7.9M | $4.6M | $1.1M | $-150K | -1.66% | 3.49% | 4.37% | 813 |
| Q3 2025 | $9.2M | $8.1M | $4.2M | $1.1M | $-129K | -1.87% | 3.30% | 3.47% | 811 |
| Q2 2025 | $8.3M | $7.1M | $3.1M | $1.2M | $-104K | -2.52% | 3.57% | 1.79% | 802 |
| Q1 2025 | $8.4M | $7.3M | $3.2M | $1.1M | $-144K | -6.84% | 3.41% | 0.48% | 809 |
| Q4 2024 | $8.5M | $7.2M | $3.3M | $1.3M | $-163K | -1.93% | 3.43% | 0.43% | 808 |
| Q3 2024 | $8.3M | $7.0M | $3.3M | $1.4M | $-75K | -1.20% | 3.48% | 2.73% | 810 |
| Q2 2024 | $8.9M | $7.5M | $3.2M | $1.4M | $-51K | -1.15% | 3.28% | 3.73% | 821 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.87% | 0.60% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -6.9% | 4.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $2.8M · commercial $0 · consumer $1.8M · securities $2.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 114.8% | 81.5% | 93th |
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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