| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.7% | +3.9% | -7.7 pts |
| Share growth (YoY) | -4.5% | +3.3% | -7.8 pts |
| Loan growth (YoY) | -5.5% | +2.9% | -8.4 pts |
| ROA | 0.04% | 0.69% | -0.6 pts |
| ROE | 0.3% | 5.9% | -5.6 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $140.7M | $120.6M | $58.3M | $19.9M | $16K | 0.04% | 3.15% | 1.01% | 10,700 |
| Q4 2025 | $139.1M | $118.5M | $59.7M | $19.8M | $205K | 0.15% | 2.95% | 1.06% | 10,782 |
| Q3 2025 | $137.9M | $117.6M | $60.6M | $19.8M | $119K | 0.12% | 2.94% | 0.72% | 10,781 |
| Q2 2025 | $143.1M | $122.9M | $61.4M | $19.8M | $198K | 0.28% | 2.79% | 0.81% | 10,763 |
| Q1 2025 | $146.2M | $126.2M | $61.6M | $19.7M | $53K | 0.15% | 2.55% | 0.80% | 10,789 |
| Q4 2024 | $142.2M | $122.4M | $62.5M | $19.6M | $255K | 0.18% | 2.61% | 0.73% | 10,940 |
| Q3 2024 | $140.0M | $120.4M | $63.9M | $19.6M | $186K | 0.18% | 2.67% | 0.59% | 10,997 |
| Q2 2024 | $144.7M | $125.0M | $64.1M | $19.5M | $111K | 0.15% | 2.59% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.04% | 0.69% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 5.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.45% |
| 11,200 |
Loan mix (Q1 2026): real estate $14.0M · commercial $9.9M · consumer $28.0M · securities $48.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.2% | 78.7% | 83th |
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.