| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +3.9% | -8.3 pts |
| Share growth (YoY) | -5.4% | +3.3% | -8.7 pts |
| Loan growth (YoY) | -3.9% | +2.9% | -6.8 pts |
| ROA | 0.24% | 0.69% | -0.5 pts |
| ROE | 2.1% | 5.9% | -3.9 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $111.2M | $98.1M | $72.7M | $12.9M | $67K | 0.24% | 4.53% | 1.25% | 14,304 |
| Q4 2025 | $110.9M | $98.1M | $72.8M | $12.9M | $564K | 0.51% | 4.82% | 1.22% | 14,243 |
| Q3 2025 | $113.3M | $100.4M | $73.4M | $12.9M | $590K | 0.69% | 4.74% | 0.69% | 14,192 |
| Q2 2025 | $111.5M | $98.6M | $73.7M | $12.9M | $527K | 0.95% | 4.81% | 0.61% | 14,633 |
| Q1 2025 | $116.3M | $103.7M | $75.6M | $12.5M | $187K | 0.64% | 4.57% | 0.81% | 14,606 |
| Q4 2024 | $115.2M | $102.7M | $76.4M | $12.3M | $1.6M | 1.42% | 4.58% | 0.98% | 14,628 |
| Q3 2024 | $113.5M | $101.4M | $78.2M | $12.1M | $1.4M | 1.66% | 4.60% | 0.66% | 14,588 |
| Q2 2024 | $113.5M | $101.8M | $79.3M | $11.6M | $868K | 1.53% | 4.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.69% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 5.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.80% |
| 14,442 |
Loan mix (Q1 2026): real estate $16.0M · commercial $332K · consumer $45.9M · securities $19.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.0% | 78.7% | 87th |
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.