| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +3.9% | -3.8 pts |
| Share growth (YoY) | +0.6% | +3.3% | -2.7 pts |
| Loan growth (YoY) | +5.3% | +2.9% | +2.4 pts |
| ROA | -0.16% | 0.69% | -0.9 pts |
| ROE | -1.1% | 5.9% | -7.0 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 | $152.6M | $133.1M | $101.3M | $22.2M | $-60K | -0.16% | 4.07% | 0.76% | 8,801 |
| Q4 2025 | $148.0M | $128.5M | $99.7M | $22.3M | $412K | 0.28% | 3.89% | 0.77% | 8,839 |
| Q3 2025 | $144.1M | $124.8M | $99.1M | $22.1M | $304K | 0.28% | 3.92% | 1.05% | 8,808 |
| Q2 2025 | $147.2M | $127.2M | $97.6M | $22.4M | $515K | 0.70% | 3.75% | 0.51% | 8,744 |
| Q1 2025 | $152.4M | $132.3M | $96.2M | $21.9M | $4K | 0.01% | 3.55% | 0.45% | 8,657 |
| Q4 2024 | $151.2M | $127.1M | $95.5M | $21.9M | $309K | 0.20% | 3.44% | 0.53% | 8,582 |
| Q3 2024 | $153.9M | $122.4M | $95.9M | $22.0M | $433K | 0.38% | 3.39% | 0.50% | 8,571 |
| Q2 2024 | $154.8M | $127.2M | $94.9M | $22.0M | $358K | 0.46% | 3.37% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.16% | 0.69% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -1.1% | 5.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.44% |
| 8,503 |
Loan mix (Q1 2026): real estate $45.2M · commercial $0 · consumer $51.6M · securities $32.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.3% | 78.7% | 93th |
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.