| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +3.9% | -7.5 pts |
| Share growth (YoY) | -4.5% | +3.3% | -7.8 pts |
| Loan growth (YoY) | -4.5% | +2.9% | -7.4 pts |
| ROA | -0.48% | 0.69% | -1.2 pts |
| ROE | -4.1% | 5.9% | -10.0 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $105.1M | $94.1M | $57.3M | $12.5M | $-127K | -0.48% | 3.87% | 1.54% | 9,041 |
| Q4 2025 | $105.6M | $94.3M | $57.7M | $12.6M | $192K | 0.18% | 3.86% | 1.77% | 9,066 |
| Q3 2025 | $105.4M | $94.3M | $58.3M | $12.6M | $182K | 0.23% | 3.85% | 1.63% | 9,190 |
| Q2 2025 | $107.8M | $97.0M | $58.8M | $12.5M | $105K | 0.20% | 3.75% | 1.58% | 9,212 |
| Q1 2025 | $109.1M | $98.5M | $60.0M | $12.4M | $23K | 0.08% | 3.74% | 1.49% | 9,274 |
| Q4 2024 | $105.7M | $96.3M | $61.5M | $12.4M | $222K | 0.21% | 3.95% | 1.57% | 9,295 |
| Q3 2024 | $108.5M | $98.0M | $62.0M | $12.5M | $279K | 0.34% | 3.83% | 1.40% | 9,395 |
| Q2 2024 | $108.2M | $98.6M | $61.6M | $12.5M | $281K | 0.52% | 3.76% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.48% | 0.69% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -4.1% | 5.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.63% |
| 9,395 |
Loan mix (Q1 2026): real estate $42.3M · commercial $0 · consumer $14.7M · securities $38.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.2% | 78.7% | 97th |
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.