| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.9% | +1.3% | -7.2 pts |
| Share growth (YoY) | -6.4% | +0.7% | -7.1 pts |
| Loan growth (YoY) | -13.9% | -2.4% | -11.5 pts |
| ROA | -0.63% | 0.60% | -1.2 pts |
| ROE | -5.2% | 4.1% | -9.3 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.9M | $9.5M | $5.2M | $1.3M | $-17K | -0.63% | 3.06% | 2.04% | 1,852 |
| Q4 2025 | $11.2M | $9.8M | $5.5M | $1.3M | $6K | 0.05% | 3.28% | 3.03% | 1,914 |
| Q3 2025 | $10.8M | $9.4M | $5.7M | $1.3M | $13K | 0.16% | 3.36% | 0.45% | 1,923 |
| Q2 2025 | $11.7M | $10.4M | $5.9M | $1.3M | $2K | 0.03% | 3.22% | 0.42% | 1,935 |
| Q1 2025 | $11.5M | $10.2M | $6.0M | $1.3M | $2K | 0.06% | 3.26% | 0.00% | 1,941 |
| Q4 2024 | $11.1M | $9.8M | $6.2M | $1.3M | $14K | 0.13% | 3.41% | 0.11% | 1,950 |
| Q3 2024 | $11.3M | $9.9M | $6.4M | $1.3M | $13K | 0.15% | 3.31% | 0.00% | 1,956 |
| Q2 2024 | $12.3M | $11.0M | $6.5M | $1.3M | $-21K | -0.34% | 3.16% | 0.00% | 1,972 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.63% | 0.60% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -5.2% | 4.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $2.8M · commercial $0 · consumer $2.3M · securities $3.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 120.4% | 81.5% | 95th |
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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