| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +1.3% | -1.1 pts |
| Share growth (YoY) | +1.1% | +0.7% | +0.4 pts |
| Loan growth (YoY) | -6.7% | -2.4% | -4.4 pts |
| ROA | -1.32% | 0.60% | -1.9 pts |
| ROE | -21.6% | 4.1% | -25.7 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 | $44.1M | $41.3M | $18.4M | $2.7M | $-145K | -1.32% | 3.47% | 2.75% | 4,792 |
| Q4 2025 | $42.9M | $40.1M | $18.9M | $2.8M | $-604K | -1.41% | 3.46% | 2.54% | 4,991 |
| Q3 2025 | $43.0M | $40.0M | $18.6M | $3.1M | $-375K | -1.16% | 3.44% | 1.78% | 6,872 |
| Q2 2025 | $44.2M | $41.1M | $18.7M | $3.2M | $-208K | -0.94% | 3.40% | 1.04% | 5,482 |
| Q1 2025 | $44.0M | $40.9M | $19.8M | $3.3M | $-137K | -1.25% | 3.62% | 2.33% | 5,507 |
| Q4 2024 | $42.8M | $39.7M | $20.1M | $3.4M | $-911K | -2.13% | 3.16% | 1.41% | 5,544 |
| Q3 2024 | $46.4M | $42.6M | $20.0M | $3.6M | $-838K | -2.41% | 2.92% | 0.33% | 5,855 |
| Q2 2024 | $46.7M | $43.2M | $20.6M | $3.8M | $-676K | -2.90% | 2.47% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.32% | 0.60% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -21.6% | 4.1% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2.30% |
| 8,228 |
Loan mix (Q1 2026): real estate $6.8M · commercial $1.2M · consumer $8.6M · securities $14.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 121.2% | 81.5% | 95th |
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.