| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -14.4% | +3.9% | -18.3 pts |
| Share growth (YoY) | -14.9% | +3.3% | -18.2 pts |
| Loan growth (YoY) | -11.0% | +2.9% | -13.9 pts |
| ROA | -0.01% | 0.69% | -0.7 pts |
| ROE | -0.2% | 5.9% | -6.1 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 | $264.9M | $242.1M | $232.0M | $21.1M | $-9K | -0.01% | 3.79% | 0.82% | 18,259 |
| Q4 2025 | $277.1M | $254.9M | $236.2M | $20.6M | $-3.1M | -1.11% | 3.45% | 2.13% | 18,686 |
| Q3 2025 | $291.2M | $266.2M | $241.6M | $22.6M | $-1.1M | -0.50% | 3.25% | 1.99% | 18,701 |
| Q2 2025 | $294.7M | $269.8M | $250.4M | $23.4M | $-810K | -0.55% | 3.12% | 1.85% | 18,918 |
| Q1 2025 | $309.5M | $284.3M | $260.7M | $24.0M | $-157K | -0.20% | 2.89% | 1.65% | 18,854 |
| Q4 2024 | $293.3M | $267.2M | $265.7M | $25.2M | $-3.3M | -1.13% | 2.90% | 2.30% | 18,783 |
| Q3 2024 | $307.0M | $277.8M | $273.5M | $27.1M | $-1.5M | -0.64% | 2.72% | 2.00% | 18,793 |
| Q2 2024 | $324.0M | $294.1M | $277.8M | $26.9M | $-1.0M | -0.64% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.01% | 0.69% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -0.2% | 5.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.27% |
| 2.32% |
| 16,995 |
Loan mix (Q1 2026): real estate $91.0M · commercial $731K · consumer $132.3M · securities $365K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.5% | 78.7% | 16th |
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% |
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