| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +1.3% | +0.1 pts |
| Share growth (YoY) | +1.4% | +0.7% | +0.7 pts |
| Loan growth (YoY) | -4.2% | -2.4% | -1.8 pts |
| ROA | -0.16% | 0.60% | -0.8 pts |
| ROE | -1.4% | 4.1% | -5.5 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $78.5M | $68.6M | $43.2M | $9.4M | $-32K | -0.16% | 3.46% | 1.12% | 6,580 |
| Q4 2025 | $78.4M | $68.4M | $43.2M | $9.4M | $-19K | -0.02% | 3.69% | 1.24% | 6,651 |
| Q3 2025 | $77.8M | $67.8M | $44.7M | $9.5M | $-50K | -0.09% | 3.75% | 1.27% | 6,850 |
| Q2 2025 | $76.7M | $66.8M | $44.6M | $9.5M | $-15K | -0.04% | 3.87% | 1.63% | 7,011 |
| Q1 2025 | $77.4M | $67.6M | $45.1M | $9.5M | $91K | 0.47% | 3.90% | 0.92% | 8,000 |
| Q4 2024 | $76.5M | $66.7M | $47.3M | $9.5M | $450K | 0.59% | 4.33% | 1.75% | 8,094 |
| Q3 2024 | $76.1M | $66.4M | $48.9M | $9.5M | $352K | 0.62% | 4.39% | 1.50% | 8,284 |
| Q2 2024 | $79.5M | $69.8M | $50.5M | $9.4M | $221K | 0.56% | 4.18% | 1.65% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.16% | 0.60% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -1.4% | 4.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,365 |
Loan mix (Q1 2026): real estate $24.3M · commercial $101K · consumer $10.5M · securities $23.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.5% | 81.5% | 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% |
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