| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +3.9% | -4.1 pts |
| Share growth (YoY) | -0.8% | +3.3% | -4.1 pts |
| Loan growth (YoY) | -5.4% | +2.9% | -8.3 pts |
| ROA | 0.15% | 0.69% | -0.5 pts |
| ROE | 1.0% | 5.9% | -5.0 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $108.5M | $91.5M | $51.9M | $16.9M | $41K | 0.15% | 3.64% | 1.94% | 6,393 |
| Q4 2025 | $106.9M | $89.9M | $49.5M | $16.9M | $173K | 0.16% | 3.44% | 1.81% | 6,459 |
| Q3 2025 | $108.9M | $91.4M | $52.7M | $16.8M | $92K | 0.11% | 3.28% | 1.62% | 6,544 |
| Q2 2025 | $107.2M | $90.7M | $49.9M | $16.7M | $55K | 0.10% | 3.25% | 1.67% | 6,611 |
| Q1 2025 | $108.6M | $92.3M | $54.8M | $16.9M | $-624 | -0.00% | 3.10% | 1.47% | 6,645 |
| Q4 2024 | $109.7M | $90.4M | $51.5M | $16.9M | $82K | 0.08% | 2.96% | 1.62% | 6,667 |
| Q3 2024 | $109.0M | $89.8M | $53.4M | $16.9M | $82K | 0.10% | 2.95% | 1.59% | 6,772 |
| Q2 2024 | $108.5M | $90.4M | $55.9M | $16.8M | $27K | 0.05% | 2.92% | 1.47% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.69% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 5.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 6,834 |
Loan mix (Q1 2026): real estate $30.5M · commercial $12.7M · consumer $7.1M · securities $42.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.9% | 78.7% | 89th |
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.