| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.6% | +1.3% | -12.9 pts |
| Share growth (YoY) | -14.7% | +0.7% | -15.4 pts |
| Loan growth (YoY) | -13.3% | -2.4% | -11.0 pts |
| ROA | -0.68% | 0.60% | -1.3 pts |
| ROE | -4.6% | 4.1% | -8.7 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $73.6M | $63.2M | $33.0M | $10.9M | $-125K | -0.68% | 3.59% | 1.72% | 14,847 |
| Q4 2025 | $76.6M | $66.3M | $34.3M | $11.2M | $-170K | -0.22% | 3.38% | 4.88% | 14,783 |
| Q3 2025 | $75.6M | $66.1M | $35.8M | $11.4M | $19K | 0.03% | 3.42% | 5.74% | 14,720 |
| Q2 2025 | $77.1M | $69.5M | $37.2M | $11.4M | $-231K | -0.60% | 3.07% | 4.92% | 15,706 |
| Q1 2025 | $83.3M | $74.1M | $38.1M | $11.6M | $-87K | -0.42% | 2.93% | 3.57% | 15,195 |
| Q4 2024 | $84.7M | $75.9M | $39.0M | $11.6M | $-977K | -1.15% | 2.66% | 4.71% | 15,293 |
| Q3 2024 | $87.0M | $76.3M | $40.6M | $12.3M | $-342K | -0.52% | 2.56% | 4.08% | 15,304 |
| Q2 2024 | $86.6M | $76.5M | $40.2M | $12.7M | $-131K | -0.30% | 2.64% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.68% | 0.60% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -4.6% | 4.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3.09% |
| 15,279 |
Loan mix (Q1 2026): real estate $10.9M · commercial $0 · consumer $20.7M · securities $29.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.9% | 81.5% | 85th |
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.