| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +3.9% | -2.0 pts |
| Share growth (YoY) | +2.7% | +3.3% | -0.6 pts |
| Loan growth (YoY) | -5.3% | +2.9% | -8.2 pts |
| ROA | -2.19% | 0.69% | -2.9 pts |
| ROE | -25.8% | 5.9% | -31.8 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 | $151.6M | $138.0M | $87.7M | $12.9M | $-831K | -2.19% | 2.89% | 1.50% | 4,617 |
| Q4 2025 | $153.0M | $138.8M | $89.6M | $13.7M | $201K | 0.13% | 2.84% | 2.98% | 4,613 |
| Q3 2025 | $147.3M | $132.5M | $92.5M | $14.1M | $551K | 0.50% | 2.92% | 2.96% | 4,619 |
| Q2 2025 | $148.2M | $133.7M | $91.9M | $13.9M | $296K | 0.40% | 2.87% | 2.16% | 4,603 |
| Q1 2025 | $148.7M | $134.4M | $92.6M | $13.7M | $147K | 0.40% | 2.84% | 1.23% | 4,578 |
| Q4 2024 | $142.9M | $128.8M | $92.7M | $13.6M | $1.0M | 0.73% | 2.80% | 0.92% | 4,601 |
| Q3 2024 | $142.7M | $128.5M | $92.9M | $13.4M | $805K | 0.75% | 2.77% | 1.13% | 4,596 |
| Q2 2024 | $143.2M | $129.2M | $94.5M | $13.0M | $414K | 0.58% | 2.69% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.19% | 0.69% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -25.8% | 5.9% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.84% |
| 4,612 |
Loan mix (Q1 2026): real estate $59.9M · commercial $8.1M · consumer $18.1M · securities $50.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.6% | 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.