| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.9 pts |
| Share growth (YoY) | -1.8% | +0.7% | -2.4 pts |
| Loan growth (YoY) | -17.9% | -2.4% | -15.6 pts |
| ROA | -0.08% | 0.60% | -0.7 pts |
| ROE | -1.0% | 4.1% | -5.1 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $48.0M | $45.0M | $15.6M | $3.5M | $-9K | -0.08% | 3.19% | 1.13% | 5,048 |
| Q4 2025 | $47.2M | $44.2M | $15.0M | $3.5M | $25K | 0.05% | 3.36% | 1.35% | 5,133 |
| Q3 2025 | $47.7M | $44.6M | $16.5M | $3.5M | $21K | 0.06% | 3.33% | 1.89% | 5,188 |
| Q2 2025 | $48.2M | $45.1M | $17.6M | $3.5M | $-8K | -0.03% | 3.26% | 1.30% | 5,216 |
| Q1 2025 | $48.8M | $45.8M | $19.0M | $3.4M | $-33K | -0.27% | 3.06% | 1.43% | 5,307 |
| Q4 2024 | $47.6M | $44.6M | $16.6M | $3.5M | $12K | 0.02% | 3.07% | 1.74% | 5,363 |
| Q3 2024 | $47.4M | $44.6M | $17.0M | $3.5M | $-7K | -0.02% | 3.10% | 1.40% | 5,397 |
| Q2 2024 | $48.6M | $45.8M | $18.1M | $3.5M | $-21K | -0.09% | 3.01% | 1.63% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.08% | 0.60% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | -1.0% | 4.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,441 |
Loan mix (Q1 2026): real estate $7.0M · commercial $0 · consumer $8.4M · securities $20.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.1% | 81.5% | 82th |
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.