| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.5% | +3.9% | -10.4 pts |
| Share growth (YoY) | -3.5% | +3.3% | -6.8 pts |
| Loan growth (YoY) | -5.7% | +2.9% | -8.7 pts |
| ROA | -0.59% | 0.69% | -1.3 pts |
| ROE | -8.2% | 5.9% | -14.1 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $177.4M | $151.3M | $139.7M | $12.9M | $-264K | -0.59% | 2.28% | 0.71% | 10,057 |
| Q4 2025 | $179.7M | $151.5M | $142.7M | $13.2M | $-925K | -0.51% | 2.15% | 1.25% | 10,124 |
| Q3 2025 | $179.9M | $152.9M | $145.5M | $13.8M | $-557K | -0.41% | 2.13% | 1.15% | 10,369 |
| Q2 2025 | $182.4M | $153.4M | $144.5M | $14.0M | $-350K | -0.38% | 2.08% | 1.74% | 10,488 |
| Q1 2025 | $189.7M | $156.8M | $148.2M | $14.0M | $-427K | -0.90% | 2.01% | 1.08% | 10,633 |
| Q4 2024 | $192.1M | $153.2M | $151.2M | $14.4M | $-1.5M | -0.78% | 1.89% | 1.55% | 10,786 |
| Q3 2024 | $192.7M | $153.0M | $155.7M | $15.2M | $-1.0M | -0.70% | 1.90% | 1.23% | 10,885 |
| Q2 2024 | $196.9M | $155.8M | $159.1M | $15.6M | $-607K | -0.62% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.59% | 0.69% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -8.2% | 5.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.28% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.89% |
| 1.12% |
| 11,028 |
Loan mix (Q1 2026): real estate $108.7M · commercial $1.9M · consumer $27.0M · securities $13.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.0% | 78.7% | 98th |
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.