| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +3.0% | +0.7% | +2.3 pts |
| Loan growth (YoY) | -2.4% | -2.4% | -0.1 pts |
| ROA | -0.70% | 0.60% | -1.3 pts |
| ROE | -5.3% | 4.1% | -9.4 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.0M | $11.1M | $5.7M | $1.7M | $-23K | -0.70% | 4.88% | 1.38% | 2,355 |
| Q4 2025 | $12.6M | $10.6M | $6.0M | $1.7M | $163K | 1.29% | 5.18% | 1.60% | 2,338 |
| Q3 2025 | $12.8M | $11.0M | $6.1M | $1.7M | $100K | 1.04% | 5.06% | 1.60% | 2,335 |
| Q2 2025 | $12.8M | $10.9M | $6.0M | $1.7M | $82K | 1.29% | 5.00% | 1.36% | 2,346 |
| Q1 2025 | $12.6M | $10.8M | $5.8M | $1.6M | $15K | 0.48% | 5.14% | 0.07% | 2,326 |
| Q4 2024 | $12.2M | $10.5M | $5.9M | $1.6M | $73K | 0.60% | 4.88% | 3.45% | 2,323 |
| Q3 2024 | $11.0M | $9.4M | $5.7M | $1.5M | $10K | 0.12% | 5.39% | 1.74% | 2,312 |
| Q2 2024 | $11.5M | $9.7M | $6.0M | $1.6M | $38K | 0.65% | 5.08% | 1.91% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.70% | 0.60% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -5.3% | 4.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.88% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,312 |
Loan mix (Q1 2026): real estate $727K · commercial $0 · consumer $4.8M · securities $5.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.3% | 81.5% | 64th |
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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