| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +3.9% | -0.0 pts |
| Share growth (YoY) | +4.8% | +3.3% | +1.5 pts |
| Loan growth (YoY) | +10.6% | +2.9% | +7.7 pts |
| ROA | -0.26% | 0.69% | -0.9 pts |
| ROE | -1.9% | 5.9% | -7.8 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 | $125.0M | $108.0M | $69.3M | $16.8M | $-80K | -0.26% | 3.40% | 1.85% | 8,209 |
| Q4 2025 | $122.1M | $105.2M | $67.5M | $16.9M | $57K | 0.05% | 3.63% | 2.39% | 8,188 |
| Q3 2025 | $120.1M | $102.7M | $67.6M | $17.0M | $95K | 0.11% | 3.68% | 2.80% | 8,169 |
| Q2 2025 | $120.5M | $103.2M | $65.8M | $16.9M | $10K | 0.02% | 3.59% | 1.49% | 8,076 |
| Q1 2025 | $120.4M | $103.1M | $62.6M | $16.9M | $-8K | -0.03% | 3.51% | 1.48% | 7,988 |
| Q4 2024 | $117.1M | $100.2M | $61.7M | $16.9M | $206K | 0.18% | 3.78% | 1.72% | 7,896 |
| Q3 2024 | $112.1M | $94.9M | $62.0M | $16.9M | $419K | 0.50% | 3.95% | 1.71% | 7,821 |
| Q2 2024 | $108.8M | $91.5M | $62.7M | $16.7M | $18K | 0.03% | 4.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.26% | 0.69% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -1.9% | 5.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.37% |
| 7,706 |
Loan mix (Q1 2026): real estate $25.5M · commercial $0 · consumer $28.0M · securities $32.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.5% | 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% |
The full ratio pack is part of CharterBench Pro.