| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.3% | +3.9% | -14.3 pts |
| Share growth (YoY) | -2.3% | +3.3% | -5.6 pts |
| Loan growth (YoY) | -5.4% | +2.9% | -8.4 pts |
| ROA | 0.00% | 0.69% | -0.7 pts |
| ROE | 0.0% | 5.9% | -5.9 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $422.8M | $326.9M | $158.8M | $42.3M | $1K | 0.00% | 1.78% | 0.32% | 9,292 |
| Q4 2025 | $428.0M | $331.4M | $162.3M | $42.3M | $452K | 0.11% | 1.67% | 0.29% | 9,292 |
| Q3 2025 | $473.0M | $331.6M | $160.1M | $42.4M | $535K | 0.15% | 1.52% | 0.21% | 9,477 |
| Q2 2025 | $469.9M | $330.9M | $164.5M | $42.3M | $381K | 0.16% | 1.53% | 0.27% | 9,458 |
| Q1 2025 | $471.6M | $334.6M | $168.0M | $42.0M | $166K | 0.14% | 1.50% | 0.11% | 9,448 |
| Q4 2024 | $468.5M | $336.4M | $132.7M | $41.9M | $-123K | -0.03% | 1.25% | 0.07% | 9,420 |
| Q3 2024 | $484.3M | $336.5M | $102.3M | $42.0M | $-42K | -0.01% | 1.22% | 0.06% | 9,615 |
| Q2 2024 | $465.0M | $325.2M | $97.2M | $42.0M | $1K | 0.00% | 1.32% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.00% | 0.69% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 0.0% | 5.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.78% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.12% |
| 9,564 |
Loan mix (Q1 2026): real estate $115.4M · commercial $0 · consumer $43.1M · securities $227.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.2% | 78.7% | 75th |
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.