| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +3.9% | -0.7 pts |
| Share growth (YoY) | +4.9% | +3.3% | +1.6 pts |
| Loan growth (YoY) | +4.2% | +2.9% | +1.3 pts |
| ROA | -2.17% | 0.69% | -2.9 pts |
| ROE | -22.3% | 5.9% | -28.3 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 | $261.2M | $233.0M | $208.3M | $25.4M | $-1.4M | -2.17% | 3.39% | 0.65% | 19,696 |
| Q4 2025 | $261.5M | $231.9M | $202.3M | $26.8M | $445K | 0.17% | 3.39% | 1.06% | 19,414 |
| Q3 2025 | $254.4M | $222.8M | $204.1M | $26.7M | $335K | 0.18% | 3.47% | 1.01% | 19,131 |
| Q2 2025 | $253.6M | $218.6M | $207.7M | $26.6M | $194K | 0.15% | 3.53% | 1.09% | 18,804 |
| Q1 2025 | $253.1M | $222.0M | $199.9M | $27.2M | $195K | 0.31% | 3.43% | 0.90% | 18,911 |
| Q4 2024 | $253.1M | $220.8M | $200.8M | $27.0M | $58K | 0.02% | 3.22% | 1.01% | 18,619 |
| Q3 2024 | $250.5M | $218.0M | $196.9M | $26.8M | $-109K | -0.06% | 3.20% | 0.98% | 18,254 |
| Q2 2024 | $252.0M | $217.3M | $200.5M | $26.7M | $-183K | -0.15% | 3.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.17% | 0.69% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -22.3% | 5.9% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.77% |
| 18,259 |
Loan mix (Q1 2026): real estate $60.2M · commercial $0 · consumer $122.3M · securities $14.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.9% | 78.7% | 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.