| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.6% | +3.9% | -10.6 pts |
| Share growth (YoY) | +1.1% | +3.3% | -2.2 pts |
| Loan growth (YoY) | +1.4% | +2.9% | -1.6 pts |
| ROA | -0.53% | 0.69% | -1.2 pts |
| ROE | -6.0% | 5.9% | -11.9 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $222.2M | $197.9M | $179.5M | $19.9M | $-296K | -0.53% | 4.46% | 1.15% | 13,443 |
| Q4 2025 | $231.4M | $198.4M | $174.7M | $20.2M | $224K | 0.10% | 4.29% | 1.36% | 13,348 |
| Q3 2025 | $229.4M | $193.8M | $176.7M | $20.4M | $296K | 0.17% | 4.33% | 1.62% | 13,425 |
| Q2 2025 | $238.6M | $196.3M | $177.6M | $20.2M | $163K | 0.14% | 4.12% | 1.30% | 13,464 |
| Q1 2025 | $238.0M | $195.8M | $177.1M | $20.4M | $282K | 0.47% | 4.13% | 0.89% | 13,396 |
| Q4 2024 | $236.4M | $191.8M | $185.0M | $20.1M | $897K | 0.38% | 4.09% | 1.18% | 13,340 |
| Q3 2024 | $234.9M | $191.0M | $186.2M | $19.8M | $580K | 0.33% | 4.07% | 1.18% | 13,392 |
| Q2 2024 | $234.3M | $188.4M | $189.9M | $19.5M | $213K | 0.18% | 4.03% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.53% | 0.69% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -6.0% | 5.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.23% |
| 13,413 |
Loan mix (Q1 2026): real estate $99.8M · commercial $0 · consumer $73.3M · securities $16.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.9% | 78.7% | 82th |
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.