| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +3.9% | -3.5 pts |
| Share growth (YoY) | -0.5% | +3.3% | -3.8 pts |
| Loan growth (YoY) | -2.4% | +2.9% | -5.3 pts |
| ROA | -0.19% | 0.69% | -0.9 pts |
| ROE | -1.8% | 5.9% | -7.7 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $324.5M | $284.4M | $205.7M | $34.7M | $-156K | -0.19% | 2.51% | 0.04% | 14,099 |
| Q4 2025 | $323.5M | $282.4M | $207.5M | $34.8M | $-1.1M | -0.34% | 2.51% | 0.47% | 14,231 |
| Q3 2025 | $321.5M | $283.6M | $211.3M | $35.5M | $-360K | -0.15% | 2.52% | 0.11% | 14,384 |
| Q2 2025 | $321.7M | $284.2M | $211.4M | $35.8M | $-129K | -0.08% | 2.48% | 0.09% | 14,509 |
| Q1 2025 | $323.0M | $285.7M | $210.6M | $35.8M | $-140K | -0.17% | 2.50% | 0.07% | 14,611 |
| Q4 2024 | $319.1M | $282.1M | $217.5M | $35.9M | $-532K | -0.17% | 2.57% | 0.06% | 14,664 |
| Q3 2024 | $324.9M | $287.3M | $211.5M | $36.5M | $62K | 0.03% | 2.50% | 0.01% | 14,667 |
| Q2 2024 | $323.9M | $289.2M | $215.9M | $36.3M | $-116K | -0.07% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.19% | 0.69% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -1.8% | 5.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.51% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.48% |
| 0.03% |
| 14,876 |
Loan mix (Q1 2026): real estate $97.9M · commercial $0 · consumer $106.1M · securities $52.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.0% | 78.7% | 97th |
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.