| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.0% | +1.3% | -10.3 pts |
| Share growth (YoY) | -8.1% | +0.7% | -8.8 pts |
| Loan growth (YoY) | -25.6% | -2.4% | -23.3 pts |
| ROA | -0.61% | 0.60% | -1.2 pts |
| ROE | -6.6% | 4.1% | -10.7 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 | $91.3M | $83.3M | $37.9M | $8.4M | $-139K | -0.61% | 3.85% | 0.86% | 7,114 |
| Q4 2025 | $91.1M | $82.3M | $41.3M | $8.6M | $-1.4M | -1.54% | 4.12% | 1.62% | 7,224 |
| Q3 2025 | $96.2M | $87.7M | $44.5M | $8.4M | $-1.5M | -2.13% | 3.83% | 1.62% | 7,324 |
| Q2 2025 | $99.3M | $89.9M | $47.8M | $9.4M | $-582K | -1.17% | 3.70% | 1.64% | 7,408 |
| Q1 2025 | $100.3M | $90.7M | $50.9M | $9.6M | $-397K | -1.58% | 3.60% | 1.88% | 7,450 |
| Q4 2024 | $96.8M | $87.5M | $53.8M | $10.0M | $124K | 0.13% | 3.82% | 3.53% | 7,491 |
| Q3 2024 | $96.2M | $86.5M | $55.7M | $10.3M | $433K | 0.60% | 3.87% | 3.54% | 7,481 |
| Q2 2024 | $94.8M | $84.9M | $55.4M | $10.2M | $395K | 0.83% | 3.89% | 3.90% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.61% | 0.60% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -6.6% | 4.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,428 |
Loan mix (Q1 2026): real estate $6.7M · commercial $0 · consumer $28.8M · securities $30.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.0% | 81.5% | 65th |
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% |
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