| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.5 pts |
| Share growth (YoY) | -0.2% | +0.7% | -0.9 pts |
| Loan growth (YoY) | -11.9% | -2.4% | -9.6 pts |
| ROA | -0.70% | 0.60% | -1.3 pts |
| ROE | -5.7% | 4.1% | -9.8 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $17.1M | $14.9M | $6.3M | $2.1M | $-30K | -0.70% | 2.93% | 1.66% | 976 |
| Q4 2025 | $17.3M | $15.1M | $6.7M | $2.2M | $32K | 0.19% | 2.79% | 2.55% | 993 |
| Q3 2025 | $17.2M | $15.0M | $6.8M | $2.2M | $32K | 0.25% | 2.81% | 6.04% | 993 |
| Q2 2025 | $17.0M | $14.8M | $6.9M | $2.2M | $37K | 0.44% | 2.85% | 10.16% | 993 |
| Q1 2025 | $17.1M | $15.0M | $7.1M | $2.2M | $11K | 0.26% | 2.72% | 9.45% | 994 |
| Q4 2024 | $16.1M | $13.9M | $6.8M | $2.1M | $88K | 0.55% | 2.96% | 2.47% | 1,091 |
| Q3 2024 | $15.5M | $13.4M | $6.9M | $2.1M | $65K | 0.56% | 3.04% | 1.63% | 1,006 |
| Q2 2024 | $15.6M | $13.5M | $6.8M | $2.1M | $39K | 0.49% | 2.97% | 1.79% | 1,004 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.70% | 0.60% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -5.7% | 4.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $3.1M · commercial $0 · consumer $3.2M · securities $8.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 121.7% | 81.5% | 95th |
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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