| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +3.9% | -3.4 pts |
| Share growth (YoY) | +0.3% | +3.3% | -3.0 pts |
| Loan growth (YoY) | +3.9% | +2.9% | +1.0 pts |
| ROA | -0.06% | 0.69% | -0.8 pts |
| ROE | -0.7% | 5.9% | -6.7 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $251.3M | $227.1M | $178.8M | $21.6M | $-39K | -0.06% | 3.90% | 0.86% | 21,559 |
| Q4 2025 | $252.2M | $227.8M | $179.0M | $21.6M | $390K | 0.15% | 3.74% | 0.96% | 21,382 |
| Q3 2025 | $249.0M | $225.5M | $175.6M | $20.8M | $-413K | -0.22% | 3.66% | 1.60% | 21,413 |
| Q2 2025 | $252.5M | $228.9M | $174.0M | $20.9M | $-373K | -0.30% | 3.56% | 2.44% | 21,330 |
| Q1 2025 | $250.0M | $226.4M | $172.1M | $21.1M | $-110K | -0.18% | 3.51% | 2.01% | 22,861 |
| Q4 2024 | $248.3M | $224.5M | $173.9M | $21.2M | $-863K | -0.35% | 3.40% | 2.54% | 22,762 |
| Q3 2024 | $247.0M | $223.6M | $176.1M | $20.9M | $-1.2M | -0.64% | 3.39% | 2.97% | 22,796 |
| Q2 2024 | $252.3M | $228.9M | $179.6M | $20.9M | $-1.2M | -0.94% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.06% | 0.69% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -0.7% | 5.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 3.27% |
| 2.63% |
| 22,772 |
Loan mix (Q1 2026): real estate $133.2M · commercial $10.5M · consumer $32.3M · securities $17.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.2% | 78.7% | 83th |
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.