| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +1.3% | -4.7 pts |
| Share growth (YoY) | -4.2% | +0.7% | -4.9 pts |
| Loan growth (YoY) | -9.5% | -2.4% | -7.1 pts |
| ROA | 0.17% | 0.60% | -0.4 pts |
| ROE | 1.1% | 4.1% | -3.0 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $56.8M | $48.1M | $2.5M | $8.6M | $24K | 0.17% | 1.56% | 1.32% | 2,602 |
| Q4 2025 | $56.5M | $47.8M | $2.9M | $8.6M | $147K | 0.26% | 1.56% | 0.68% | 2,602 |
| Q3 2025 | $56.9M | $48.2M | $3.1M | $8.6M | $130K | 0.30% | 1.55% | 0.68% | 2,594 |
| Q2 2025 | $59.0M | $50.4M | $2.6M | $8.5M | $81K | 0.27% | 1.47% | 1.61% | 2,608 |
| Q1 2025 | $58.8M | $50.3M | $2.8M | $8.5M | $44K | 0.30% | 1.48% | 0.91% | 2,629 |
| Q4 2024 | $58.9M | $50.3M | $3.2M | $8.4M | $171K | 0.29% | 1.50% | 0.56% | 2,630 |
| Q3 2024 | $59.4M | $50.9M | $3.1M | $8.4M | $153K | 0.34% | 1.47% | 0.51% | 2,641 |
| Q2 2024 | $62.0M | $53.5M | $2.9M | $8.3M | $50K | 0.16% | 1.39% | 0.90% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 0.60% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.56% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,651 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $51.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.5% | 81.5% | 52th |
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.