| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +3.9% | -7.4 pts |
| Share growth (YoY) | -1.6% | +3.3% | -4.8 pts |
| Loan growth (YoY) | -6.1% | +2.9% | -9.0 pts |
| ROA | -0.47% | 0.69% | -1.2 pts |
| ROE | -3.6% | 5.9% | -9.5 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 | $421.7M | $364.1M | $130.3M | $55.4M | $-496K | -0.47% | 1.87% | 1.53% | 11,575 |
| Q4 2025 | $429.0M | $365.9M | $129.4M | $60.4M | $-6.9M | -1.61% | 1.81% | 1.50% | 11,637 |
| Q3 2025 | $433.9M | $369.2M | $131.7M | $63.3M | $-4.0M | -1.23% | 1.77% | 1.70% | 11,751 |
| Q2 2025 | $436.7M | $371.0M | $135.6M | $65.0M | $-2.3M | -1.08% | 1.71% | 2.33% | 11,819 |
| Q1 2025 | $436.9M | $369.8M | $138.7M | $66.4M | $-887K | -0.81% | 1.62% | 2.53% | 11,146 |
| Q4 2024 | $429.0M | $363.7M | $139.9M | $67.3M | $159K | 0.04% | 1.32% | 1.87% | 11,987 |
| Q3 2024 | $434.7M | $365.4M | $142.0M | $67.4M | $236K | 0.07% | 1.23% | 1.66% | 12,055 |
| Q2 2024 | $437.5M | $373.0M | $144.9M | $67.2M | $103K | 0.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.47% | 0.69% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -3.6% | 5.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.87% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.17% |
| 0.55% |
| 12,058 |
Loan mix (Q1 2026): real estate $38.3M · commercial $25.4M · consumer $17.6M · securities $192.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.0% | 78.7% | 29th |
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.