| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +1.3% | -2.3 pts |
| Share growth (YoY) | -0.6% | +0.7% | -1.3 pts |
| Loan growth (YoY) | -12.5% | -2.4% | -10.2 pts |
| ROA | -0.71% | 0.60% | -1.3 pts |
| ROE | -7.1% | 4.1% | -11.2 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $96.0M | $85.8M | $48.0M | $9.6M | $-170K | -0.71% | 3.72% | 1.84% | 11,008 |
| Q4 2025 | $97.6M | $87.0M | $51.0M | $9.8M | $267K | 0.27% | 4.23% | 1.70% | 11,064 |
| Q3 2025 | $97.1M | $86.3M | $52.2M | $9.9M | $201K | 0.28% | 4.30% | 2.28% | 11,138 |
| Q2 2025 | $97.3M | $86.2M | $54.3M | $10.0M | $329K | 0.68% | 4.33% | 1.28% | 11,315 |
| Q1 2025 | $97.0M | $86.3M | $54.9M | $9.8M | $120K | 0.50% | 4.30% | 0.89% | 11,478 |
| Q4 2024 | $94.2M | $83.2M | $56.4M | $9.7M | $1.2M | 1.31% | 4.66% | 0.53% | 11,701 |
| Q3 2024 | $93.3M | $82.8M | $54.8M | $9.4M | $809K | 1.16% | 4.68% | 0.51% | 12,308 |
| Q2 2024 | $96.5M | $85.8M | $55.0M | $9.2M | $605K | 1.25% | 4.44% | 1.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.71% | 0.60% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -7.1% | 4.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 15,861 |
Loan mix (Q1 2026): real estate $14.3M · commercial $0 · consumer $31.5M · securities $24.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 103.9% | 81.5% | 87th |
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% |
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