| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -50.2% | +1.3% | -51.5 pts |
| Share growth (YoY) | +14.5% | +0.7% | +13.8 pts |
| Loan growth (YoY) | -3.7% | -2.4% | -1.4 pts |
| ROA | -514.26% | 0.60% | -514.9 pts |
| ROE | 476.4% | 4.1% | +472.3 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 | $71.4M | $148.2M | $43.7M | $-77.0M | $-91.7M | -514.26% | 3.47% | 1.19% | 15,704 |
| Q4 2025 | $162.4M | $147.5M | $45.1M | $14.7M | $1.2M | 0.76% | 1.47% | 1.86% | 15,651 |
| Q3 2025 | $153.7M | $135.1M | $45.5M | $14.1M | $661K | 0.57% | 1.61% | 1.29% | 15,543 |
| Q2 2025 | $143.2M | $129.2M | $45.9M | $13.9M | $409K | 0.57% | 1.56% | 1.48% | 15,562 |
| Q1 2025 | $143.2M | $129.4M | $45.3M | $13.6M | $136K | 0.38% | 1.46% | 1.39% | 15,650 |
| Q4 2024 | $139.9M | $125.2M | $45.9M | $13.5M | $745K | 0.53% | 1.76% | 1.41% | 15,112 |
| Q3 2024 | $139.5M | $125.9M | $46.1M | $13.3M | $594K | 0.57% | 1.82% | 1.04% | 15,007 |
| Q2 2024 | $139.1M | $125.7M | $46.6M | $13.1M | $380K | 0.55% | 1.88% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -514.26% | 0.60% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | 476.4% | 4.1% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1.13% |
| 14,848 |
Loan mix (Q1 2026): real estate $258K · commercial $0 · consumer $41.6M · securities $5.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 5582.3% | 81.5% | 100th |
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.