| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +1.3% | -3.1 pts |
| Share growth (YoY) | -2.5% | +0.7% | -3.2 pts |
| Loan growth (YoY) | +11.7% | -2.4% | +14.0 pts |
| ROA | 0.08% | 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 | $64.0M | $52.7M | $44.2M | $10.1M | $12K | 0.08% | 5.26% | 0.57% | 7,086 |
| Q4 2025 | $63.2M | $51.9M | $43.3M | $10.1M | $75K | 0.12% | 4.82% | 1.03% | 7,125 |
| Q3 2025 | $63.3M | $52.0M | $41.7M | $10.0M | $37K | 0.08% | 4.69% | 0.89% | 7,195 |
| Q2 2025 | $64.0M | $52.8M | $40.3M | $10.0M | $15K | 0.05% | 4.55% | 0.88% | 7,288 |
| Q1 2025 | $65.2M | $54.0M | $39.6M | $10.0M | $9K | 0.05% | 4.36% | 0.81% | 7,755 |
| Q4 2024 | $63.8M | $52.8M | $37.2M | $10.0M | $-894K | -1.40% | 3.97% | 0.64% | 7,174 |
| Q3 2024 | $65.1M | $54.0M | $37.1M | $10.6M | $-287K | -0.59% | 3.78% | 0.55% | 7,364 |
| Q2 2024 | $66.4M | $55.7M | $35.3M | $10.3M | $-618K | -1.86% | 3.59% | 0.57% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | 0.60% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 4.1% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,585 |
Loan mix (Q1 2026): real estate $3.2M · commercial $0 · consumer $35.9M · securities $7.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.6% | 81.5% | 60th |
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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