| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +3.9% | -0.8 pts |
| Share growth (YoY) | +3.3% | +3.3% | -0.0 pts |
| Loan growth (YoY) | -3.6% | +2.9% | -6.5 pts |
| ROA | -0.64% | 0.69% | -1.3 pts |
| ROE | -5.6% | 5.9% | -11.6 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $186.7M | $163.6M | $89.8M | $21.2M | $-299K | -0.64% | 2.77% | 0.73% | 12,367 |
| Q4 2025 | $184.8M | $161.2M | $90.8M | $21.5M | $81K | 0.04% | 3.23% | 1.52% | 12,362 |
| Q3 2025 | $181.5M | $158.2M | $91.2M | $21.3M | $-155K | -0.11% | 3.24% | 1.41% | 12,380 |
| Q2 2025 | $179.4M | $156.4M | $90.5M | $21.4M | $16K | 0.02% | 3.20% | 1.43% | 12,426 |
| Q1 2025 | $181.1M | $158.5M | $93.1M | $21.2M | $-196K | -0.43% | 3.06% | 1.63% | 12,511 |
| Q4 2024 | $179.2M | $156.2M | $89.9M | $21.4M | $67K | 0.04% | 3.34% | 1.71% | 12,594 |
| Q3 2024 | $181.0M | $158.1M | $92.8M | $21.5M | $133K | 0.10% | 3.32% | 1.38% | 12,689 |
| Q2 2024 | $179.4M | $156.9M | $94.8M | $21.0M | $-363K | -0.40% | 3.36% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.64% | 0.69% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -5.6% | 5.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.77% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.37% |
| 12,713 |
Loan mix (Q1 2026): real estate $45.5M · commercial $14K · consumer $40.5M · securities $56.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.8% | 78.7% | 94th |
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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