| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +3.9% | -6.4 pts |
| Share growth (YoY) | -2.6% | +3.3% | -5.9 pts |
| Loan growth (YoY) | +2.4% | +2.9% | -0.5 pts |
| ROA | -1.14% | 0.69% | -1.8 pts |
| ROE | -8.3% | 5.9% | -14.2 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $106.5M | $89.7M | $48.1M | $14.7M | $-304K | -1.14% | 2.92% | 1.03% | 6,783 |
| Q4 2025 | $104.5M | $87.7M | $51.2M | $16.7M | $570K | 0.55% | 4.40% | 0.92% | 6,887 |
| Q3 2025 | $105.1M | $87.9M | $53.3M | $16.7M | $580K | 0.74% | 4.52% | 0.72% | 7,035 |
| Q2 2025 | $107.0M | $90.3M | $49.4M | $16.7M | $467K | 0.87% | 4.40% | 0.55% | 7,192 |
| Q1 2025 | $109.2M | $92.1M | $47.0M | $16.4M | $199K | 0.73% | 4.28% | 0.52% | 7,297 |
| Q4 2024 | $105.1M | $88.8M | $47.0M | $16.2M | $196K | 0.19% | 4.32% | 0.15% | 7,430 |
| Q3 2024 | $107.5M | $91.0M | $48.5M | $16.5M | $690K | 0.86% | 4.37% | 0.43% | 7,796 |
| Q2 2024 | $106.1M | $90.0M | $49.9M | $16.8M | $619K | 1.17% | 4.36% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.14% | 0.69% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -8.3% | 5.9% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.82% |
| 7,836 |
Loan mix (Q1 2026): real estate $4.8M · commercial $12.0M · consumer $24.9M · securities $38.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 130.2% | 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.