| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.8% | +1.3% | -6.1 pts |
| Share growth (YoY) | -6.5% | +0.7% | -7.1 pts |
| Loan growth (YoY) | +19.7% | -2.4% | +22.1 pts |
| ROA | -0.23% | 0.60% | -0.8 pts |
| ROE | -1.2% | 4.1% | -5.3 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $86.1M | $70.3M | $20.3M | $17.1M | $-50K | -0.23% | 1.76% | 0.50% | 3,591 |
| Q4 2025 | $78.4M | $62.5M | $19.8M | $17.2M | $-228K | -0.29% | 1.78% | 0.45% | 3,642 |
| Q3 2025 | $80.6M | $64.6M | $18.6M | $17.6M | $151K | 0.25% | 1.77% | 0.11% | 3,704 |
| Q2 2025 | $83.8M | $67.8M | $17.3M | $17.4M | $20K | 0.05% | 1.70% | 0.07% | 3,775 |
| Q1 2025 | $90.5M | $75.1M | $17.0M | $17.4M | $-49K | -0.22% | 1.68% | 0.07% | 3,851 |
| Q4 2024 | $82.3M | $67.4M | $18.4M | $17.4M | $-358K | -0.44% | 1.48% | 0.45% | 3,782 |
| Q3 2024 | $83.8M | $69.0M | $19.3M | $17.5M | $-252K | -0.40% | 1.43% | 0.20% | 4,014 |
| Q2 2024 | $87.1M | $71.7M | $20.3M | $17.6M | $-160K | -0.37% | 1.59% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.23% | 0.60% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -1.2% | 4.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 0.17% |
| 4,089 |
Loan mix (Q1 2026): real estate $12.5M · commercial $0 · consumer $7.8M · securities $46.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.8% | 81.5% | 78th |
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.