| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +1.3% | +7.7 pts |
| Share growth (YoY) | +10.9% | +0.7% | +10.2 pts |
| Loan growth (YoY) | +1.8% | -2.4% | +4.2 pts |
| ROA | -0.42% | 0.60% | -1.0 pts |
| ROE | -3.2% | 4.1% | -7.3 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.7M | $7.5M | $5.5M | $1.1M | $-9K | -0.42% | 5.02% | 0.06% | 2,704 |
| Q4 2025 | $8.4M | $7.2M | $5.5M | $1.2M | $106K | 1.26% | 5.33% | 0.97% | 2,734 |
| Q3 2025 | $8.0M | $6.7M | $5.5M | $1.1M | $87K | 1.46% | 5.70% | 0.28% | 2,740 |
| Q2 2025 | $8.1M | $6.8M | $5.3M | $1.1M | $68K | 1.69% | 5.72% | 0.12% | 2,771 |
| Q1 2025 | $8.0M | $6.7M | $5.4M | $1.1M | $25K | 1.24% | 5.21% | 0.15% | 2,804 |
| Q4 2024 | $8.1M | $6.9M | $5.5M | $1.0M | $86K | 1.06% | 5.87% | 0.28% | 2,833 |
| Q3 2024 | $8.5M | $6.9M | $5.6M | $1.0M | $90K | 1.41% | 5.72% | 0.80% | 2,837 |
| Q2 2024 | $8.3M | $6.9M | $5.3M | $1.0M | $62K | 1.48% | 6.04% | 0.24% | 2,860 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.42% | 0.60% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -3.2% | 4.1% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.02% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $2.9M · commercial $0 · consumer $2.6M · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.0% | 81.5% | 61th |
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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