| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +1.3% | +0.4 pts |
| Share growth (YoY) | +0.1% | +0.7% | -0.5 pts |
| Loan growth (YoY) | -4.4% | -2.4% | -2.1 pts |
| ROA | -0.17% | 0.60% | -0.8 pts |
| ROE | -2.0% | 4.1% | -6.1 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.6M | $12.3M | $7.9M | $1.1M | $-6K | -0.17% | 5.56% | 1.87% | 1,891 |
| Q4 2025 | $12.9M | $11.7M | $8.2M | $1.1M | $121K | 0.93% | 5.98% | 1.68% | 1,891 |
| Q3 2025 | $13.1M | $11.9M | $8.1M | $1.1M | $98K | 0.99% | 5.87% | 0.75% | 1,906 |
| Q2 2025 | $13.2M | $12.1M | $8.1M | $1.1M | $64K | 0.97% | 5.81% | 0.97% | 1,882 |
| Q1 2025 | $13.3M | $12.3M | $8.3M | $1.0M | $-24K | -0.73% | 5.61% | 2.33% | 1,906 |
| Q4 2024 | $12.4M | $11.3M | $8.3M | $1.0M | $34K | 0.27% | 5.53% | 2.60% | 1,926 |
| Q3 2024 | $12.7M | $11.5M | $8.5M | $1.1M | $104K | 1.09% | 5.26% | 1.95% | 1,982 |
| Q2 2024 | $12.7M | $11.6M | $8.4M | $1.0M | $35K | 0.55% | 5.04% | 1.79% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.17% | 0.60% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -2.0% | 4.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.56% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,960 |
Loan mix (Q1 2026): real estate $22K · commercial $0 · consumer $7.7M · securities $4.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.4% | 81.5% | 52th |
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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