| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.2% | +3.9% | -9.1 pts |
| Share growth (YoY) | -5.5% | +3.3% | -8.8 pts |
| Loan growth (YoY) | -6.2% | +2.9% | -9.1 pts |
| ROA | -0.40% | 0.69% | -1.1 pts |
| ROE | -4.5% | 5.9% | -10.4 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $129.4M | $120.3M | $83.3M | $11.6M | $-129K | -0.40% | 3.19% | 4.98% | 9,303 |
| Q4 2025 | $127.0M | $117.8M | $83.7M | $11.7M | $704K | 0.55% | 3.07% | 6.56% | 9,411 |
| Q3 2025 | $130.9M | $121.7M | $84.7M | $11.6M | $581K | 0.59% | 2.92% | 6.09% | 9,495 |
| Q2 2025 | $136.2M | $127.3M | $85.2M | $11.2M | $230K | 0.34% | 2.74% | 6.30% | 9,594 |
| Q1 2025 | $136.4M | $127.4M | $88.8M | $11.1M | $130K | 0.38% | 2.60% | 6.57% | 9,589 |
| Q4 2024 | $137.8M | $129.8M | $90.3M | $11.0M | $668K | 0.48% | 2.54% | 6.69% | 9,589 |
| Q3 2024 | $136.1M | $127.5M | $92.1M | $10.9M | $565K | 0.55% | 2.58% | 6.87% | 9,657 |
| Q2 2024 | $140.3M | $132.4M | $94.3M | $10.6M | $224K | 0.32% | 2.60% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.40% | 0.69% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -4.5% | 5.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.10% |
| 9,681 |
Loan mix (Q1 2026): real estate $21.2M · commercial $18.6M · consumer $34.2M · securities $22.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 103.0% | 78.7% | 98th |
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.