| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +1.3% | -2.0 pts |
| Share growth (YoY) | +1.6% | +0.7% | +0.9 pts |
| Loan growth (YoY) | -19.4% | -2.4% | -17.1 pts |
| ROA | -2.12% | 0.60% | -2.7 pts |
| ROE | -15.4% | 4.1% | -19.5 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $17.0M | $14.6M | $7.4M | $2.3M | $-90K | -2.12% | 4.63% | 0.71% | 2,315 |
| Q4 2025 | $16.5M | $14.0M | $8.0M | $2.4M | $-293K | -1.78% | 5.16% | 0.02% | 2,298 |
| Q3 2025 | $16.9M | $14.4M | $8.2M | $2.5M | $-226K | -1.78% | 5.10% | 0.09% | 2,287 |
| Q2 2025 | $17.1M | $14.3M | $8.7M | $2.8M | $39K | 0.45% | 5.03% | 1.32% | 2,268 |
| Q1 2025 | $17.2M | $14.4M | $9.1M | $2.8M | $25K | 0.57% | 5.05% | 0.33% | 2,250 |
| Q4 2024 | $16.3M | $13.6M | $9.6M | $2.7M | $-84K | -0.52% | 5.42% | 3.21% | 2,231 |
| Q3 2024 | $19.5M | $16.6M | $10.0M | $2.9M | $81K | 0.55% | 4.53% | 1.78% | 2,212 |
| Q2 2024 | $19.7M | $16.7M | $10.1M | $2.9M | $38K | 0.38% | 4.47% | 1.65% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.12% | 0.60% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -15.4% | 4.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,255 |
Loan mix (Q1 2026): real estate $48K · commercial $0 · consumer $7.0M · securities $5.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.6% | 81.5% | 89th |
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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