| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +1.3% | +3.6 pts |
| Share growth (YoY) | +6.8% | +0.7% | +6.1 pts |
| Loan growth (YoY) | +1.4% | -2.4% | +3.8 pts |
| ROA | -0.99% | 0.60% | -1.6 pts |
| ROE | -9.6% | 4.1% | -13.7 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.7M | $6.0M | $4.7M | $694K | $-17K | -0.99% | 4.20% | 1.61% | 818 |
| Q4 2025 | $6.5M | $5.8M | $4.8M | $710K | $-59K | -0.90% | 4.47% | 0.76% | 809 |
| Q3 2025 | $6.5M | $5.7M | $4.9M | $753K | $-16K | -0.33% | 4.43% | 1.16% | 803 |
| Q2 2025 | $6.5M | $5.8M | $4.8M | $763K | $-6K | -0.20% | 4.32% | 0.33% | 796 |
| Q1 2025 | $6.4M | $5.7M | $4.6M | $767K | $-2K | -0.13% | 4.40% | 0.17% | 790 |
| Q4 2024 | $6.6M | $5.8M | $4.5M | $769K | $-48K | -0.73% | 3.79% | 0.11% | 786 |
| Q3 2024 | $6.6M | $5.8M | $4.2M | $781K | $-36K | -0.74% | 3.73% | 0.35% | 778 |
| Q2 2024 | $7.0M | $6.2M | $3.8M | $792K | $-25K | -0.71% | 3.41% | 0.90% | 770 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.99% | 0.60% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -9.6% | 4.1% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $778K · commercial $0 · consumer $2.3M · securities $942K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 112.6% | 81.5% | 92th |
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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