| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +3.9% | +1.6 pts |
| Share growth (YoY) | +3.7% | +3.3% | +0.4 pts |
| Loan growth (YoY) | +0.3% | +2.9% | -2.7 pts |
| ROA | -0.16% | 0.69% | -0.9 pts |
| ROE | -1.8% | 5.9% | -7.7 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $194.7M | $171.1M | $135.5M | $17.6M | $-78K | -0.16% | 3.32% | 0.97% | 12,770 |
| Q4 2025 | $191.9M | $168.3M | $137.4M | $17.7M | $608K | 0.32% | 3.29% | 0.91% | 12,755 |
| Q3 2025 | $188.9M | $165.6M | $137.9M | $17.4M | $337K | 0.24% | 3.29% | 0.83% | 12,738 |
| Q2 2025 | $184.7M | $164.8M | $136.3M | $17.0M | $-51K | -0.06% | 3.23% | 2.02% | 12,649 |
| Q1 2025 | $184.6M | $165.0M | $135.1M | $16.7M | $-371K | -0.80% | 3.01% | 2.52% | 12,620 |
| Q4 2024 | $181.6M | $161.8M | $135.6M | $17.1M | $1.1M | 0.63% | 3.30% | 2.97% | 12,577 |
| Q3 2024 | $177.3M | $157.9M | $136.9M | $16.7M | $771K | 0.58% | 3.35% | 0.82% | 12,544 |
| Q2 2024 | $178.4M | $160.5M | $137.8M | $16.4M | $471K | 0.53% | 3.30% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.16% | 0.69% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -1.8% | 5.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.64% |
| 12,507 |
Loan mix (Q1 2026): real estate $61.8M · commercial $12.4M · consumer $51.9M · securities $9.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.6% | 78.7% | 97th |
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.