| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +3.9% | -7.3 pts |
| Share growth (YoY) | +0.3% | +3.3% | -2.9 pts |
| Loan growth (YoY) | -1.5% | +2.9% | -4.5 pts |
| ROA | -0.11% | 0.69% | -0.8 pts |
| ROE | -1.4% | 5.9% | -7.3 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $229.1M | $201.8M | $119.9M | $17.9M | $-61K | -0.11% | 2.98% | 0.31% | 11,786 |
| Q4 2025 | $228.6M | $196.1M | $119.1M | $17.9M | $-47K | -0.02% | 2.84% | 0.17% | 11,813 |
| Q3 2025 | $229.4M | $192.9M | $120.2M | $17.7M | $-280K | -0.16% | 2.75% | 0.52% | 11,852 |
| Q2 2025 | $238.3M | $201.5M | $121.8M | $17.9M | $-99K | -0.08% | 2.57% | 0.86% | 11,873 |
| Q1 2025 | $237.1M | $201.1M | $121.8M | $17.9M | $-23K | -0.04% | 2.55% | 0.42% | 11,908 |
| Q4 2024 | $230.9M | $195.2M | $122.9M | $18.0M | $-8K | -0.00% | 2.44% | 0.39% | 11,973 |
| Q3 2024 | $230.9M | $194.7M | $123.7M | $18.1M | $70K | 0.04% | 2.44% | 0.31% | 12,008 |
| Q2 2024 | $231.5M | $196.0M | $125.3M | $18.0M | $-8K | -0.01% | 2.39% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.11% | 0.69% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -1.4% | 5.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.24% |
| 12,036 |
Loan mix (Q1 2026): real estate $63.7M · commercial $7.9M · consumer $39.4M · securities $80.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.3% | 78.7% | 81th |
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.