| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.0% | +3.9% | -8.9 pts |
| Share growth (YoY) | -6.2% | +3.3% | -9.5 pts |
| Loan growth (YoY) | +0.7% | +2.9% | -2.3 pts |
| ROA | -0.41% | 0.69% | -1.1 pts |
| ROE | -4.4% | 5.9% | -10.3 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 | $100.5M | $91.7M | $47.3M | $9.4M | $-103K | -0.41% | 4.00% | 2.07% | 5,405 |
| Q4 2025 | $100.1M | $91.4M | $47.2M | $9.5M | $554K | 0.55% | 4.23% | 2.69% | 5,386 |
| Q3 2025 | $101.5M | $92.5M | $46.0M | $9.6M | $435K | 0.57% | 4.18% | 2.99% | 5,408 |
| Q2 2025 | $104.4M | $95.7M | $45.9M | $9.3M | $163K | 0.31% | 3.96% | 2.36% | 5,472 |
| Q1 2025 | $105.8M | $97.8M | $47.0M | $9.0M | $-116K | -0.44% | 3.83% | 1.61% | 5,488 |
| Q4 2024 | $101.0M | $92.8M | $48.8M | $9.2M | $333K | 0.33% | 3.76% | 2.59% | 5,542 |
| Q3 2024 | $99.3M | $91.1M | $49.2M | $9.4M | $380K | 0.51% | 3.78% | 2.40% | 5,589 |
| Q2 2024 | $99.8M | $92.0M | $50.8M | $9.2M | $244K | 0.49% | 3.68% | 1.59% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.41% | 0.69% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -4.4% | 5.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 5,628 |
Loan mix (Q1 2026): real estate $16.4M · commercial $5.2M · consumer $21.9M · securities $35.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.1% | 78.7% | 72th |
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.