| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +1.3% | +2.0 pts |
| Share growth (YoY) | +3.3% | +0.7% | +2.6 pts |
| Loan growth (YoY) | -5.9% | -2.4% | -3.5 pts |
| ROA | -0.23% | 0.60% | -0.8 pts |
| ROE | -2.5% | 4.1% | -6.6 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $71.3M | $64.4M | $15.6M | $6.7M | $-42K | -0.23% | 2.94% | 0.55% | 3,194 |
| Q4 2025 | $67.8M | $61.0M | $16.1M | $6.7M | $604K | 0.89% | 2.88% | 1.86% | 3,226 |
| Q3 2025 | $66.5M | $59.7M | $16.5M | $6.7M | $528K | 1.06% | 2.91% | 0.55% | 3,246 |
| Q2 2025 | $69.0M | $62.3M | $16.7M | $6.6M | $398K | 1.15% | 2.80% | 0.51% | 3,291 |
| Q1 2025 | $69.0M | $62.4M | $16.6M | $6.5M | $299K | 1.73% | 2.77% | 0.45% | 3,328 |
| Q4 2024 | $66.4M | $60.1M | $17.1M | $6.2M | $447K | 0.67% | 2.49% | 1.13% | 3,364 |
| Q3 2024 | $62.4M | $56.2M | $17.5M | $6.1M | $369K | 0.79% | 2.64% | 1.04% | 3,410 |
| Q2 2024 | $64.7M | $58.6M | $17.5M | $6.0M | $249K | 0.77% | 2.54% | 1.53% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.23% | 0.60% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -2.5% | 4.1% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,437 |
Loan mix (Q1 2026): real estate $11.2M · commercial $0 · consumer $4.4M · securities $47.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.3% | 81.5% | 57th |
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.