| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.8% | +3.9% | -12.8 pts |
| Share growth (YoY) | -9.4% | +3.3% | -12.7 pts |
| Loan growth (YoY) | +3.5% | +2.9% | +0.6 pts |
| ROA | -2.31% | 0.69% | -3.0 pts |
| ROE | -25.5% | 5.9% | -31.4 pts |
ROA ranks in the 0th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $100.9M | $89.2M | $80.2M | $9.1M | $-582K | -2.31% | 4.51% | 1.91% | 6,926 |
| Q4 2025 | $101.9M | $90.6M | $81.8M | $9.2M | $-1.8M | -1.75% | 4.89% | 2.67% | 6,854 |
| Q3 2025 | $106.2M | $92.4M | $83.5M | $10.7M | $-227K | -0.29% | 4.75% | 3.26% | 6,880 |
| Q2 2025 | $105.9M | $91.9M | $81.5M | $11.1M | $135K | 0.26% | 4.89% | 1.90% | 6,751 |
| Q1 2025 | $110.7M | $98.4M | $77.5M | $11.0M | $48K | 0.18% | 4.51% | 1.99% | 6,827 |
| Q4 2024 | $103.5M | $91.6M | $78.9M | $11.0M | $988K | 0.95% | 4.70% | 2.46% | 6,792 |
| Q3 2024 | $106.2M | $93.2M | $79.0M | $10.8M | $792K | 0.99% | 4.49% | 1.41% | 6,635 |
| Q2 2024 | $95.9M | $83.3M | $76.0M | $10.5M | $550K | 1.15% | 4.75% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.31% | 0.69% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -25.5% | 5.9% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.51% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.68% |
| 6,429 |
Loan mix (Q1 2026): real estate $496K · commercial $0 · consumer $76.4M · securities $2.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.9% | 78.7% | 40th |
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.