| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +1.3% | -4.4 pts |
| Share growth (YoY) | +1.0% | +0.7% | +0.4 pts |
| Loan growth (YoY) | -21.0% | -2.4% | -18.6 pts |
| ROA | -0.62% | 0.60% | -1.2 pts |
| ROE | -3.3% | 4.1% | -7.4 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $69.5M | $60.8M | $20.9M | $13.2M | $-109K | -0.62% | 2.92% | 5.82% | 12,122 |
| Q4 2025 | $70.7M | $61.7M | $23.2M | $13.3M | $296K | 0.42% | 2.98% | 4.02% | 12,117 |
| Q3 2025 | $70.5M | $61.9M | $24.3M | $13.4M | $367K | 0.69% | 3.02% | 3.55% | 12,114 |
| Q2 2025 | $70.2M | $59.6M | $25.5M | $13.3M | $252K | 0.72% | 2.96% | 4.31% | 12,111 |
| Q1 2025 | $71.7M | $60.1M | $26.4M | $13.2M | $119K | 0.66% | 2.64% | 3.87% | 12,102 |
| Q4 2024 | $73.1M | $60.5M | $28.1M | $13.1M | $202K | 0.28% | 2.79% | 3.77% | 12,095 |
| Q3 2024 | $74.2M | $60.5M | $29.4M | $13.1M | $118K | 0.21% | 2.76% | 3.46% | 12,088 |
| Q2 2024 | $76.0M | $63.4M | $30.4M | $13.0M | $51K | 0.13% | 2.69% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.62% | 0.60% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -3.3% | 4.1% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3.04% |
| 12,073 |
Loan mix (Q1 2026): real estate $6.5M · commercial $7.4M · consumer $6.6M · securities $40.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.6% | 81.5% | 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.