| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +3.9% | -8.4 pts |
| Share growth (YoY) | +0.1% | +3.3% | -3.2 pts |
| Loan growth (YoY) | -9.3% | +2.9% | -12.2 pts |
| ROA | -0.45% | 0.69% | -1.1 pts |
| ROE | -5.2% | 5.9% | -11.2 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $177.6M | $162.3M | $105.7M | $15.3M | $-199K | -0.45% | 3.91% | 2.83% | 15,998 |
| Q4 2025 | $183.7M | $163.1M | $109.6M | $15.5M | $530K | 0.29% | 3.83% | 2.48% | 16,452 |
| Q3 2025 | $183.9M | $159.1M | $110.9M | $15.3M | $321K | 0.23% | 3.82% | 2.58% | 16,499 |
| Q2 2025 | $185.4M | $161.1M | $113.6M | $15.3M | $131K | 0.14% | 3.79% | 2.18% | 16,660 |
| Q1 2025 | $186.0M | $162.2M | $116.5M | $15.2M | $-20K | -0.04% | 3.62% | 2.44% | 17,217 |
| Q4 2024 | $182.1M | $157.7M | $120.3M | $15.2M | $159K | 0.09% | 3.56% | 2.49% | 17,356 |
| Q3 2024 | $184.2M | $153.3M | $124.1M | $14.9M | $-127K | -0.09% | 3.49% | 2.04% | 17,442 |
| Q2 2024 | $186.0M | $161.2M | $126.4M | $15.1M | $-159K | -0.17% | 3.33% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.45% | 0.69% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -5.2% | 5.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.82% |
| 17,494 |
Loan mix (Q1 2026): real estate $50.2M · commercial $0 · consumer $55.0M · securities $25.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.8% | 78.7% | 82th |
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.