| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +3.9% | -5.0 pts |
| Share growth (YoY) | -2.9% | +3.3% | -6.2 pts |
| Loan growth (YoY) | -2.6% | +2.9% | -5.5 pts |
| ROA | 0.38% | 0.69% | -0.3 pts |
| ROE | 2.9% | 5.9% | -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 | $122.8M | $107.5M | $59.0M | $16.0M | $116K | 0.38% | 3.25% | 0.51% | 7,165 |
| Q4 2025 | $121.3M | $106.0M | $59.7M | $15.8M | $378K | 0.31% | 3.26% | 1.12% | 7,243 |
| Q3 2025 | $122.3M | $107.8M | $60.4M | $15.7M | $266K | 0.29% | 3.24% | 1.30% | 7,344 |
| Q2 2025 | $121.6M | $108.1M | $59.5M | $15.8M | $320K | 0.53% | 3.24% | 0.79% | 7,451 |
| Q1 2025 | $124.1M | $110.7M | $60.6M | $15.4M | $-126K | -0.41% | 3.08% | 0.69% | 7,544 |
| Q4 2024 | $123.9M | $111.5M | $61.2M | $15.5M | $-294K | -0.24% | 2.94% | 0.79% | 7,677 |
| Q3 2024 | $125.5M | $112.5M | $62.2M | $15.4M | $-346K | -0.37% | 2.85% | 0.72% | 8,008 |
| Q2 2024 | $126.0M | $114.2M | $65.0M | $15.6M | $-183K | -0.29% | 2.83% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.69% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 5.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.40% |
| 8,189 |
Loan mix (Q1 2026): real estate $26.6M · commercial $0 · consumer $31.9M · securities $48.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.5% | 78.7% | 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% |
The full ratio pack is part of CharterBench Pro.