| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +1.3% | +8.0 pts |
| Share growth (YoY) | +10.5% | +0.7% | +9.8 pts |
| Loan growth (YoY) | -0.9% | -2.4% | +1.5 pts |
| ROA | -1.15% | 0.60% | -1.8 pts |
| ROE | -6.8% | 4.1% | -10.9 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.3M | $11.9M | $7.2M | $2.4M | $-41K | -1.15% | 4.58% | 0.16% | 2,160 |
| Q4 2025 | $13.7M | $11.2M | $7.3M | $2.5M | $235K | 1.72% | 4.88% | 0.00% | 2,129 |
| Q3 2025 | $13.3M | $10.9M | $7.3M | $2.4M | $182K | 1.82% | 4.98% | 1.05% | 2,138 |
| Q2 2025 | $13.3M | $10.9M | $7.5M | $2.4M | $137K | 2.07% | 4.97% | 0.76% | 2,132 |
| Q1 2025 | $13.1M | $10.8M | $7.3M | $2.3M | $90K | 2.74% | 4.82% | 0.38% | 2,125 |
| Q4 2024 | $13.1M | $10.8M | $6.9M | $2.2M | $222K | 1.70% | 4.26% | 0.69% | 2,108 |
| Q3 2024 | $12.9M | $10.7M | $6.5M | $2.2M | $165K | 1.71% | 4.21% | 0.42% | 2,123 |
| Q2 2024 | $12.6M | $10.4M | $6.3M | $2.2M | $197K | 3.13% | 3.96% | 0.91% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.15% | 0.60% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -6.8% | 4.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,087 |
Loan mix (Q1 2026): real estate $49K · commercial $0 · consumer $7.1M · securities $5.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.6% | 81.5% | 23th |
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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