| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +3.9% | -6.5 pts |
| Share growth (YoY) | -1.3% | +3.3% | -4.6 pts |
| Loan growth (YoY) | -11.5% | +2.9% | -14.5 pts |
| ROA | -0.52% | 0.69% | -1.2 pts |
| ROE | -7.2% | 5.9% | -13.2 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $184.2M | $145.3M | $113.2M | $13.2M | $-238K | -0.52% | 2.26% | 2.25% | 9,231 |
| Q4 2025 | $188.0M | $144.6M | $118.1M | $17.0M | $-811K | -0.43% | 2.41% | 1.24% | 9,706 |
| Q3 2025 | $187.8M | $142.7M | $123.1M | $17.5M | $-313K | -0.22% | 2.38% | 1.01% | 10,421 |
| Q2 2025 | $192.5M | $146.1M | $130.1M | $17.7M | $-108K | -0.11% | 2.41% | 1.96% | 7,622 |
| Q1 2025 | $189.2M | $147.2M | $127.9M | $17.5M | $-351K | -0.74% | 2.18% | 1.16% | 7,792 |
| Q4 2024 | $192.1M | $145.5M | $132.8M | $17.9M | $-1.5M | -0.80% | 1.68% | 1.28% | 7,894 |
| Q3 2024 | $189.6M | $146.0M | $121.7M | $18.7M | $-752K | -0.53% | 1.57% | 1.55% | 7,920 |
| Q2 2024 | $182.9M | $141.0M | $116.2M | $19.0M | $-417K | -0.46% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.52% | 0.69% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -7.2% | 5.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.26% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.58% |
| 1.03% |
| 7,991 |
Loan mix (Q1 2026): real estate $78.4M · commercial $3.2M · consumer $23.5M · securities $46.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 119.7% | 78.7% | 100th |
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.