| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +1.3% | -2.6 pts |
| Share growth (YoY) | -0.3% | +0.7% | -1.0 pts |
| Loan growth (YoY) | -3.6% | -2.4% | -1.3 pts |
| ROA | -0.85% | 0.60% | -1.5 pts |
| ROE | -4.5% | 4.1% | -8.6 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $78.6M | $58.3M | $49.2M | $14.9M | $-167K | -0.85% | 2.51% | 0.23% | 3,159 |
| Q4 2025 | $79.5M | $59.0M | $48.4M | $15.1M | $-360K | -0.45% | 2.51% | 0.30% | 3,120 |
| Q3 2025 | $78.7M | $57.8M | $49.1M | $15.2M | $-213K | -0.36% | 2.55% | 0.18% | 3,147 |
| Q2 2025 | $79.3M | $58.0M | $50.2M | $15.3M | $-91K | -0.23% | 2.51% | 0.03% | 3,140 |
| Q1 2025 | $79.7M | $58.5M | $51.0M | $15.5M | $28K | 0.14% | 2.49% | 0.08% | 3,128 |
| Q4 2024 | $80.6M | $60.3M | $52.1M | $15.4M | $-147K | -0.18% | 2.14% | 0.06% | 3,186 |
| Q3 2024 | $80.7M | $59.5M | $53.4M | $15.4M | $-174K | -0.29% | 2.06% | 0.08% | 3,185 |
| Q2 2024 | $81.1M | $59.6M | $54.1M | $15.4M | $-170K | -0.42% | 1.98% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.85% | 0.60% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -4.5% | 4.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.51% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 0.14% |
| 3,174 |
Loan mix (Q1 2026): real estate $35.5M · commercial $0 · consumer $13.2M · securities $17.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 127.6% | 81.5% | 96th |
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.