| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +1.3% | -1.9 pts |
| Share growth (YoY) | -2.0% | +0.7% | -2.7 pts |
| Loan growth (YoY) | -5.0% | -2.4% | -2.7 pts |
| ROA | 0.31% | 0.60% | -0.3 pts |
| ROE | 0.9% | 4.1% | -3.2 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.1M | $12.2M | $5.8M | $5.9M | $14K | 0.31% | 3.64% | 0.01% | 1,391 |
| Q4 2025 | $18.0M | $12.1M | $5.9M | $5.9M | $143K | 0.79% | 4.06% | 0.50% | 1,386 |
| Q3 2025 | $17.8M | $11.9M | $5.9M | $5.9M | $124K | 0.93% | 4.17% | 0.03% | 1,366 |
| Q2 2025 | $17.9M | $12.1M | $6.1M | $5.8M | $88K | 0.98% | 4.19% | 0.00% | 1,335 |
| Q1 2025 | $18.2M | $12.5M | $6.1M | $5.8M | $30K | 0.67% | 4.14% | 0.01% | 1,322 |
| Q4 2024 | $18.0M | $12.2M | $6.1M | $5.7M | $297K | 1.65% | 4.68% | 0.93% | 1,318 |
| Q3 2024 | $18.3M | $12.6M | $6.1M | $5.7M | $219K | 1.59% | 4.54% | 0.93% | 1,315 |
| Q2 2024 | $18.8M | $13.2M | $6.1M | $5.6M | $104K | 1.11% | 4.31% | 1.40% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.60% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 4.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,797 |
Loan mix (Q1 2026): real estate $843K · commercial $0 · consumer $4.7M · securities $11.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.8% | 81.5% | 51th |
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.