| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.5% | +1.3% | -6.8 pts |
| Share growth (YoY) | -5.1% | +0.7% | -5.8 pts |
| Loan growth (YoY) | -7.0% | -2.4% | -4.6 pts |
| ROA | -4.08% | 0.60% | -4.7 pts |
| ROE | -55.2% | 4.1% | -59.3 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $15.1M | $13.8M | $11.7M | $1.1M | $-154K | -4.08% | 4.60% | 0.65% | 3,175 |
| Q4 2025 | $15.5M | $14.1M | $12.2M | $1.3M | $-238K | -1.54% | 4.76% | 1.09% | 3,208 |
| Q3 2025 | $15.5M | $14.1M | $12.4M | $1.3M | $-209K | -1.80% | 4.78% | 0.89% | 3,207 |
| Q2 2025 | $15.9M | $14.5M | $12.4M | $1.4M | $-148K | -1.87% | 4.61% | 1.33% | 3,199 |
| Q1 2025 | $16.0M | $14.6M | $12.6M | $1.3M | $-202K | -5.06% | 4.57% | 1.27% | 3,201 |
| Q4 2024 | $16.3M | $14.4M | $13.5M | $1.5M | $-146K | -0.90% | 4.52% | 1.93% | 3,224 |
| Q3 2024 | $17.4M | $14.7M | $14.0M | $1.6M | $-75K | -0.58% | 4.18% | 2.12% | 3,267 |
| Q2 2024 | $16.9M | $14.7M | $14.2M | $1.6M | $-50K | -0.59% | 4.25% | 1.77% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.08% | 0.60% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -55.2% | 4.1% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.60% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,308 |
Loan mix (Q1 2026): real estate $1.5M · commercial $0 · consumer $10.2M · securities $926K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.4% | 81.5% | 89th |
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.