| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.0% | +1.3% | -12.3 pts |
| Share growth (YoY) | -12.7% | +0.7% | -13.4 pts |
| Loan growth (YoY) | -5.5% | -2.4% | -3.1 pts |
| ROA | 0.09% | 0.60% | -0.5 pts |
| ROE | 0.6% | 4.1% | -3.5 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $20.0M | $17.3M | $5.2M | $2.7M | $4K | 0.09% | 3.57% | 3.77% | 1,223 |
| Q4 2025 | $20.9M | $18.2M | $5.4M | $2.7M | $69K | 0.33% | 3.68% | 2.38% | 1,219 |
| Q3 2025 | $22.1M | $19.4M | $5.3M | $2.7M | $70K | 0.42% | 3.48% | 1.34% | 1,213 |
| Q2 2025 | $22.3M | $19.6M | $5.4M | $2.7M | $28K | 0.25% | 3.33% | 0.69% | 1,208 |
| Q1 2025 | $22.5M | $19.8M | $5.5M | $2.7M | $11K | 0.20% | 3.22% | 0.23% | 1,245 |
| Q4 2024 | $22.6M | $19.9M | $5.7M | $2.7M | $158K | 0.70% | 3.43% | 0.36% | 1,243 |
| Q3 2024 | $22.5M | $19.9M | $5.8M | $2.6M | $133K | 0.79% | 3.46% | 0.24% | 1,247 |
| Q2 2024 | $23.4M | $20.8M | $5.8M | $2.6M | $84K | 0.72% | 3.26% | 0.22% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.09% | 0.60% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 4.1% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,220 |
Loan mix (Q1 2026): real estate $368K · commercial $0 · consumer $3.9M · securities $12.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.2% | 81.5% | 80th |
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.