| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +1.3% | -3.5 pts |
| Share growth (YoY) | -3.4% | +0.7% | -4.1 pts |
| Loan growth (YoY) | -1.8% | -2.4% | +0.5 pts |
| ROA | -0.62% | 0.60% | -1.2 pts |
| ROE | -4.4% | 4.1% | -8.5 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $79.4M | $69.1M | $47.8M | $11.2M | $-124K | -0.62% | 4.20% | 2.99% | 14,289 |
| Q4 2025 | $79.7M | $69.2M | $48.5M | $11.3M | $318K | 0.40% | 4.34% | 2.27% | 14,241 |
| Q3 2025 | $80.4M | $70.1M | $48.9M | $11.4M | $299K | 0.50% | 4.31% | 1.69% | 14,368 |
| Q2 2025 | $81.6M | $71.8M | $48.2M | $11.2M | $163K | 0.40% | 4.23% | 1.71% | 14,323 |
| Q1 2025 | $81.2M | $71.5M | $48.7M | $11.2M | $76K | 0.38% | 4.12% | 0.91% | 14,201 |
| Q4 2024 | $78.6M | $68.7M | $48.8M | $11.1M | $246K | 0.31% | 4.11% | 0.99% | 14,233 |
| Q3 2024 | $78.1M | $68.3M | $47.6M | $11.1M | $199K | 0.34% | 4.09% | 0.82% | 14,418 |
| Q2 2024 | $79.3M | $69.6M | $46.8M | $10.7M | $201K | 0.51% | 4.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.62% | 0.60% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -4.4% | 4.1% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 0.73% |
| 14,343 |
Loan mix (Q1 2026): real estate $15.4M · commercial $107K · consumer $31.7M · securities $20.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.8% | 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% |
The full ratio pack is part of CharterBench Pro.