| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +1.3% | +0.9 pts |
| Share growth (YoY) | +1.3% | +0.7% | +0.6 pts |
| Loan growth (YoY) | +0.1% | -2.4% | +2.5 pts |
| ROA | 0.08% | 0.60% | -0.5 pts |
| ROE | 0.6% | 4.1% | -3.5 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $23.7M | $20.5M | $11.1M | $3.1M | $5K | 0.08% | 2.33% | 2.49% | 1,533 |
| Q4 2025 | $22.1M | $19.2M | $10.5M | $2.9M | $-77K | -0.35% | 1.80% | 2.71% | 1,243 |
| Q3 2025 | $22.1M | $19.2M | $10.7M | $2.9M | $-76K | -0.46% | 1.65% | 3.05% | 1,251 |
| Q2 2025 | $22.7M | $19.8M | $11.3M | $2.9M | $-62K | -0.55% | 1.46% | 3.13% | 1,259 |
| Q1 2025 | $23.2M | $20.3M | $11.1M | $2.9M | $-32K | -0.56% | 1.30% | 2.58% | 1,282 |
| Q4 2024 | $23.3M | $20.3M | $11.2M | $3.0M | $-220K | -0.95% | 1.45% | 3.75% | 1,312 |
| Q3 2024 | $23.5M | $20.1M | $11.6M | $3.1M | $-140K | -0.80% | 1.56% | 3.35% | 1,343 |
| Q2 2024 | $23.9M | $20.2M | $12.0M | $3.1M | $-70K | -0.59% | 1.53% | 3.50% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | 0.60% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 4.1% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.33% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,356 |
Loan mix (Q1 2026): real estate $5.2M · commercial $238K · consumer $5.2M · securities $7.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.4% | 81.5% | 81th |
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.