| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | -0.2% | +0.7% | -0.9 pts |
| Loan growth (YoY) | -14.4% | -2.4% | -12.1 pts |
| ROA | -0.66% | 0.60% | -1.3 pts |
| ROE | -4.3% | 4.1% | -8.4 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.8M | $11.7M | $2.8M | $2.1M | $-23K | -0.66% | 3.14% | 3.34% | 3,949 |
| Q4 2025 | $13.6M | $11.3M | $2.9M | $2.1M | $-164K | -1.20% | 2.79% | 3.43% | 3,994 |
| Q3 2025 | $14.3M | $12.1M | $3.0M | $2.2M | $-77K | -0.72% | 2.56% | 4.17% | 3,933 |
| Q2 2025 | $14.2M | $12.0M | $3.1M | $2.2M | $-46K | -0.64% | 2.62% | 2.52% | 3,926 |
| Q1 2025 | $14.0M | $11.7M | $3.3M | $2.3M | $-18K | -0.52% | 2.62% | 2.67% | 3,914 |
| Q4 2024 | $14.3M | $12.0M | $3.3M | $2.3M | $-149K | -1.04% | 2.62% | 1.66% | 3,909 |
| Q3 2024 | $14.3M | $11.9M | $3.4M | $2.3M | $-129K | -1.21% | 2.59% | 1.49% | 3,902 |
| Q2 2024 | $13.9M | $11.6M | $3.7M | $2.4M | $-77K | -1.10% | 2.53% | 1.96% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.66% | 0.60% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -4.3% | 4.1% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,897 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.7M · securities $10.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 110.0% | 81.5% | 91th |
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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