| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +1.3% | -1.9 pts |
| Share growth (YoY) | -1.5% | +0.7% | -2.2 pts |
| Loan growth (YoY) | +2.1% | -2.4% | +4.5 pts |
| ROA | 0.06% | 0.60% | -0.5 pts |
| ROE | 0.5% | 4.1% | -3.6 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $98.3M | $89.0M | $45.7M | $11.3M | $16K | 0.06% | 3.06% | 1.80% | 4,465 |
| Q4 2025 | $97.9M | $87.5M | $45.9M | $11.0M | $32K | 0.03% | 3.12% | 1.76% | 4,483 |
| Q3 2025 | $98.1M | $87.1M | $45.9M | $11.0M | $86K | 0.12% | 3.12% | 1.61% | 4,534 |
| Q2 2025 | $97.0M | $87.2M | $44.6M | $11.0M | $89K | 0.18% | 3.17% | 1.32% | 4,584 |
| Q1 2025 | $98.9M | $90.3M | $44.7M | $11.0M | $44K | 0.18% | 3.25% | 1.21% | 4,618 |
| Q4 2024 | $96.0M | $89.1M | $44.0M | $11.0M | $5K | 0.01% | 2.77% | 0.64% | 4,610 |
| Q3 2024 | $96.8M | $88.9M | $42.9M | $11.0M | $11K | 0.01% | 2.72% | 0.73% | 4,594 |
| Q2 2024 | $95.9M | $88.8M | $42.9M | $11.0M | $7K | 0.02% | 2.68% | 0.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.06% | 0.60% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 4.1% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,615 |
Loan mix (Q1 2026): real estate $12.1M · commercial $11.1M · consumer $20.3M · securities $44.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.9% | 81.5% | 78th |
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.