| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +3.9% | -4.4 pts |
| Share growth (YoY) | -1.4% | +3.3% | -4.7 pts |
| Loan growth (YoY) | -4.8% | +2.9% | -7.8 pts |
| ROA | 0.06% | 0.69% | -0.6 pts |
| ROE | 0.7% | 5.9% | -5.2 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $209.1M | $191.7M | $97.2M | $17.8M | $33K | 0.06% | 3.41% | 0.23% | 14,204 |
| Q4 2025 | $202.2M | $184.9M | $96.1M | $17.8M | $1.4M | 0.69% | 3.49% | 0.74% | 14,151 |
| Q3 2025 | $199.9M | $182.7M | $100.1M | $17.5M | $1.2M | 0.79% | 3.51% | 0.40% | 14,119 |
| Q2 2025 | $204.1M | $187.7M | $103.8M | $17.2M | $898K | 0.88% | 3.40% | 0.34% | 14,156 |
| Q1 2025 | $210.0M | $194.4M | $102.1M | $17.0M | $617K | 1.18% | 3.24% | 0.16% | 14,665 |
| Q4 2024 | $203.7M | $189.7M | $105.9M | $16.3M | $510K | 0.25% | 2.98% | 0.30% | 14,634 |
| Q3 2024 | $203.4M | $188.7M | $106.3M | $16.3M | $475K | 0.31% | 2.93% | 0.30% | 14,614 |
| Q2 2024 | $201.4M | $188.3M | $108.4M | $16.2M | $338K | 0.34% | 2.90% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.06% | 0.69% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 5.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.33% |
| 14,936 |
Loan mix (Q1 2026): real estate $21.6M · commercial $0 · consumer $65.2M · securities $75.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.5% | 78.7% | 91th |
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.