| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +4.8% | -6.8 pts |
| Share growth (YoY) | +0.8% | +4.3% | -3.5 pts |
| Loan growth (YoY) | +0.6% | +4.3% | -3.8 pts |
| ROA | -0.10% | 0.62% | -0.7 pts |
| ROE | -0.8% | 5.9% | -6.8 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $789.8M | $617.5M | $695.4M | $89.4M | $-189K | -0.10% | 2.20% | 0.40% | 23,538 |
| Q4 2025 | $785.9M | $615.0M | $700.2M | $89.6M | $-2.0M | -0.25% | 1.99% | 0.53% | 23,250 |
| Q3 2025 | $784.2M | $612.6M | $696.0M | $90.5M | $-1.4M | -0.24% | 1.95% | 0.36% | 23,561 |
| Q2 2025 | $788.7M | $616.5M | $691.4M | $90.5M | $-1.4M | -0.36% | 1.86% | 0.49% | 23,835 |
| Q1 2025 | $806.3M | $612.5M | $691.6M | $91.1M | $-822K | -0.41% | 1.77% | 0.56% | 24,146 |
| Q4 2024 | $805.4M | $602.3M | $697.2M | $91.9M | $-3.4M | -0.42% | 1.82% | 0.54% | 24,378 |
| Q3 2024 | $799.7M | $581.9M | $705.2M | $94.0M | $-1.7M | -0.28% | 1.86% | 0.73% | 24,957 |
| Q2 2024 | $824.4M | $606.4M | $715.7M | $95.0M | $-686K | -0.17% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.10% | 0.62% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -0.8% | 5.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.20% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.85% |
| 0.69% |
| 25,440 |
Loan mix (Q1 2026): real estate $547.0M · commercial $35.9M · consumer $112.3M · securities $23.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.2% | 78.3% | 98th |
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.