| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.1% | +1.3% | -10.4 pts |
| Share growth (YoY) | -8.4% | +0.7% | -9.1 pts |
| Loan growth (YoY) | -12.6% | -2.4% | -10.3 pts |
| ROA | 0.17% | 0.60% | -0.4 pts |
| ROE | 2.1% | 4.1% | -2.0 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $92.8M | $82.7M | $63.7M | $7.3M | $39K | 0.17% | 3.58% | 1.41% | 4,416 |
| Q4 2025 | $92.1M | $81.8M | $65.5M | $7.3M | $113K | 0.12% | 3.83% | 2.65% | 4,528 |
| Q3 2025 | $95.1M | $82.6M | $68.5M | $8.2M | $75K | 0.10% | 3.72% | 2.98% | 4,633 |
| Q2 2025 | $99.6M | $87.3M | $70.8M | $8.2M | $92K | 0.18% | 3.56% | 2.01% | 4,768 |
| Q1 2025 | $102.1M | $90.3M | $73.0M | $8.1M | $18K | 0.07% | 3.47% | 1.00% | 4,956 |
| Q4 2024 | $102.7M | $90.8M | $75.9M | $8.1M | $-165K | -0.16% | 3.69% | 0.83% | 5,421 |
| Q3 2024 | $102.3M | $91.5M | $80.2M | $9.1M | $-122K | -0.16% | 3.74% | 0.51% | 5,962 |
| Q2 2024 | $105.9M | $97.6M | $83.0M | $9.1M | $-101K | -0.19% | 3.66% | 1.55% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 0.60% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,951 |
Loan mix (Q1 2026): real estate $46.6M · commercial $0 · consumer $14.4M · securities $15.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.1% | 81.5% | 80th |
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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