| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.8% | +1.3% | -6.1 pts |
| Share growth (YoY) | -5.3% | +0.7% | -6.0 pts |
| Loan growth (YoY) | -12.2% | -2.4% | -9.9 pts |
| ROA | -0.86% | 0.60% | -1.5 pts |
| ROE | -5.4% | 4.1% | -9.6 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $28.3M | $23.8M | $15.8M | $4.5M | $-61K | -0.86% | 4.26% | 0.95% | 3,091 |
| Q4 2025 | $28.2M | $23.8M | $15.9M | $4.5M | $39K | 0.14% | 4.29% | 1.61% | 3,119 |
| Q3 2025 | $29.2M | $24.6M | $16.7M | $4.6M | $64K | 0.29% | 4.15% | 1.38% | 3,046 |
| Q2 2025 | $29.4M | $24.8M | $17.5M | $4.5M | $16K | 0.11% | 4.04% | 1.70% | 3,091 |
| Q1 2025 | $29.7M | $25.1M | $18.0M | $4.6M | $43K | 0.57% | 4.03% | 1.92% | 3,124 |
| Q4 2024 | $28.3M | $23.7M | $18.8M | $4.5M | $110K | 0.39% | 3.99% | 1.27% | 3,107 |
| Q3 2024 | $27.4M | $22.9M | $19.7M | $4.6M | $169K | 0.82% | 4.43% | 0.86% | 3,097 |
| Q2 2024 | $27.5M | $22.9M | $20.0M | $4.5M | $103K | 0.75% | 4.41% | 1.60% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.86% | 0.60% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -5.4% | 4.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,106 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $13.8M · securities $6.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.9% | 81.5% | 65th |
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.