| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.2% | +3.9% | +11.3 pts |
| Share growth (YoY) | +19.1% | +3.3% | +15.8 pts |
| Loan growth (YoY) | +57.1% | +2.9% | +54.2 pts |
| ROA | -4.86% | 0.69% | -5.6 pts |
| ROE | -91.0% | 5.9% | -97.0 pts |
ROA ranks in the 0th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $101.5M | $94.6M | $75.4M | $5.4M | $-1.2M | -4.86% | 5.79% | 1.61% | 15,831 |
| Q4 2025 | $103.0M | $96.2M | $73.9M | $6.1M | $-944K | -0.92% | 3.75% | 1.07% | 15,659 |
| Q3 2025 | $104.8M | $99.4M | $75.2M | $6.2M | $-928K | -1.18% | 3.36% | 0.72% | 15,558 |
| Q2 2025 | $101.7M | $92.8M | $55.3M | $8.6M | $1.5M | 3.00% | 7.80% | 0.74% | 11,019 |
| Q1 2025 | $88.1M | $79.5M | $48.0M | $8.2M | $1.1M | 5.07% | 13.92% | 1.06% | 8,892 |
| Q4 2024 | $84.8M | $77.9M | $46.6M | $7.1M | $-73K | -0.09% | 3.16% | 0.91% | 8,891 |
| Q3 2024 | $86.2M | $79.0M | $45.5M | $7.2M | $-49K | -0.08% | 3.05% | 0.72% | 8,947 |
| Q2 2024 | $87.3M | $81.0M | $44.8M | $7.3M | $-440 | -0.00% | 2.99% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.86% | 0.69% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -91.0% | 5.9% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.79% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.75% |
| 9,022 |
Loan mix (Q1 2026): real estate $11.0M · commercial $474K · consumer $43.2M · securities $17.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 114.9% | 78.7% | 99th |
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.