| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +3.9% | -2.3 pts |
| Share growth (YoY) | +0.8% | +3.3% | -2.5 pts |
| Loan growth (YoY) | +33.2% | +2.9% | +30.3 pts |
| ROA | -0.99% | 0.69% | -1.7 pts |
| ROE | -7.7% | 5.9% | -13.7 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 | $135.3M | $117.4M | $75.0M | $17.3M | $-335K | -0.99% | 3.62% | 0.31% | 7,957 |
| Q4 2025 | $134.2M | $115.9M | $71.3M | $17.7M | $2.1M | 1.56% | 3.86% | 0.49% | 8,047 |
| Q3 2025 | $133.7M | $115.9M | $67.9M | $17.2M | $2.0M | 1.99% | 3.84% | 0.96% | 8,193 |
| Q2 2025 | $135.2M | $117.9M | $65.5M | $16.8M | $1.2M | 1.78% | 3.76% | 1.04% | 8,274 |
| Q1 2025 | $133.2M | $116.4M | $56.3M | $16.2M | $610K | 1.83% | 3.57% | 0.73% | 8,370 |
| Q4 2024 | $129.0M | $112.8M | $56.6M | $15.6M | $2.4M | 1.88% | 3.99% | 0.77% | 8,438 |
| Q3 2024 | $127.1M | $111.6M | $57.0M | $14.9M | $1.6M | 1.68% | 4.05% | 0.36% | 8,546 |
| Q2 2024 | $125.0M | $110.2M | $57.6M | $14.2M | $947K | 1.51% | 4.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.99% | 0.69% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -7.7% | 5.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.54% |
| 8,763 |
Loan mix (Q1 2026): real estate $49.3M · commercial $2.8M · consumer $10.5M · securities $12.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 124.9% | 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.