| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +3.9% | -1.4 pts |
| Share growth (YoY) | +2.9% | +3.3% | -0.4 pts |
| Loan growth (YoY) | -7.2% | +2.9% | -10.1 pts |
| ROA | -0.22% | 0.69% | -0.9 pts |
| ROE | -2.5% | 5.9% | -8.4 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $152.4M | $137.9M | $93.9M | $13.5M | $-83K | -0.22% | 4.04% | 1.86% | 14,900 |
| Q4 2025 | $147.9M | $133.6M | $96.7M | $13.6M | $492K | 0.33% | 4.17% | 1.83% | 14,181 |
| Q3 2025 | $147.5M | $132.9M | $99.7M | $13.7M | $591K | 0.53% | 4.08% | 1.82% | 14,910 |
| Q2 2025 | $146.7M | $134.0M | $102.5M | $13.7M | $578K | 0.79% | 4.00% | 1.34% | 14,472 |
| Q1 2025 | $148.7M | $134.1M | $101.2M | $13.5M | $369K | 0.99% | 3.92% | 0.96% | 14,724 |
| Q4 2024 | $142.2M | $128.7M | $97.0M | $13.1M | $-877K | -0.62% | 3.73% | 1.19% | 14,790 |
| Q3 2024 | $142.6M | $128.5M | $94.2M | $13.5M | $-124K | -0.12% | 3.69% | 1.22% | 14,632 |
| Q2 2024 | $145.1M | $131.1M | $92.6M | $13.7M | $123K | 0.17% | 3.61% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.22% | 0.69% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -2.5% | 5.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.86% |
| 14,784 |
Loan mix (Q1 2026): real estate $40.8M · commercial $588K · consumer $49.1M · securities $12.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.6% | 78.7% | 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% |
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