| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -17.9% | +1.3% | -19.2 pts |
| Share growth (YoY) | -20.6% | +0.7% | -21.3 pts |
| Loan growth (YoY) | -19.4% | -2.4% | -17.1 pts |
| ROA | -0.61% | 0.60% | -1.2 pts |
| ROE | -3.7% | 4.1% | -7.8 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $84.8M | $70.4M | $67.2M | $13.8M | $-129K | -0.61% | 2.79% | 1.12% | 2,722 |
| Q4 2025 | $84.1M | $69.9M | $72.1M | $13.9M | $-71K | -0.08% | 3.65% | 1.78% | 2,796 |
| Q3 2025 | $87.1M | $72.7M | $75.5M | $14.3M | $-36K | -0.06% | 3.61% | 1.67% | 3,077 |
| Q2 2025 | $95.1M | $80.6M | $80.1M | $14.4M | $189K | 0.40% | 3.41% | 1.24% | 3,318 |
| Q1 2025 | $103.2M | $88.7M | $83.4M | $14.3M | $22K | 0.09% | 2.90% | 1.17% | 4,006 |
| Q4 2024 | $108.4M | $94.0M | $88.1M | $14.3M | $-2.6M | -2.40% | 3.47% | 1.22% | 4,596 |
| Q3 2024 | $120.0M | $102.1M | $96.2M | $17.9M | $616K | 0.68% | 3.24% | 3.74% | 4,950 |
| Q2 2024 | $121.1M | $101.5M | $98.8M | $18.6M | $1.3M | 2.11% | 3.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.61% | 0.60% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -3.7% | 4.1% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.79% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2.63% |
| 4,769 |
Loan mix (Q1 2026): real estate $10.9M · commercial $4.7M · consumer $42.9M · securities $2.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.9% | 81.5% | 65th |
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.