| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.3% | +1.3% | -5.5 pts |
| Share growth (YoY) | -4.4% | +0.7% | -5.0 pts |
| Loan growth (YoY) | -14.5% | -2.4% | -12.1 pts |
| ROA | -0.16% | 0.60% | -0.8 pts |
| ROE | -1.4% | 4.1% | -5.5 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $96.2M | $84.2M | $59.7M | $11.1M | $-38K | -0.16% | 3.80% | 1.48% | 9,103 |
| Q4 2025 | $94.0M | $81.8M | $62.4M | $11.0M | $-356K | -0.38% | 3.95% | 1.67% | 9,075 |
| Q3 2025 | $95.2M | $83.0M | $65.2M | $11.5M | $149K | 0.21% | 3.87% | 1.45% | 9,053 |
| Q2 2025 | $99.2M | $86.5M | $67.1M | $11.5M | $155K | 0.31% | 3.71% | 0.95% | 8,980 |
| Q1 2025 | $100.4M | $88.1M | $69.8M | $11.4M | $-131K | -0.52% | 3.59% | 0.89% | 8,908 |
| Q4 2024 | $97.0M | $85.1M | $72.3M | $11.4M | $94K | 0.10% | 3.49% | 0.88% | 8,869 |
| Q3 2024 | $98.0M | $86.2M | $73.1M | $11.4M | $75K | 0.10% | 3.42% | 0.74% | 8,901 |
| Q2 2024 | $98.3M | $86.5M | $72.9M | $11.3M | $-2K | -0.00% | 3.30% | 0.72% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.16% | 0.60% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -1.4% | 4.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,898 |
Loan mix (Q1 2026): real estate $14.6M · commercial $703K · consumer $43.6M · securities $18.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.8% | 81.5% | 74th |
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% |
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