| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +1.3% | +0.5 pts |
| Share growth (YoY) | +1.7% | +0.7% | +1.1 pts |
| Loan growth (YoY) | -1.8% | -2.4% | +0.6 pts |
| ROA | -0.18% | 0.60% | -0.8 pts |
| ROE | -1.8% | 4.1% | -5.9 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 | $35.0M | $31.6M | $18.6M | $3.6M | $-16K | -0.18% | 5.30% | 2.16% | 3,319 |
| Q4 2025 | $34.7M | $31.2M | $18.6M | $3.6M | $82K | 0.24% | 5.07% | 1.70% | 3,306 |
| Q3 2025 | $34.4M | $31.0M | $18.3M | $3.7M | $79K | 0.31% | 4.98% | 2.24% | 3,360 |
| Q2 2025 | $34.5M | $31.2M | $18.8M | $3.7M | $62K | 0.36% | 4.88% | 1.33% | 3,343 |
| Q1 2025 | $34.3M | $31.0M | $18.9M | $3.7M | $30K | 0.35% | 4.91% | 1.32% | 3,339 |
| Q4 2024 | $34.2M | $31.0M | $19.3M | $3.6M | $146K | 0.43% | 5.26% | 1.44% | 3,377 |
| Q3 2024 | $34.0M | $30.8M | $19.7M | $3.6M | $74K | 0.29% | 5.30% | 2.41% | 3,411 |
| Q2 2024 | $34.2M | $31.2M | $20.0M | $3.5M | $-10K | -0.06% | 5.19% | 3.14% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.18% | 0.60% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -1.8% | 4.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.30% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,445 |
Loan mix (Q1 2026): real estate $4.5M · commercial $0 · consumer $14.0M · securities $14.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.5% | 81.5% | 68th |
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.