| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.3% | +3.9% | -9.3 pts |
| Share growth (YoY) | -5.5% | +3.3% | -8.8 pts |
| Loan growth (YoY) | -9.4% | +2.9% | -12.3 pts |
| ROA | 0.08% | 0.69% | -0.6 pts |
| ROE | 0.9% | 5.9% | -5.0 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 | $109.0M | $99.1M | $82.4M | $10.0M | $23K | 0.08% | 3.14% | 0.23% | 7,823 |
| Q4 2025 | $108.1M | $98.0M | $84.6M | $10.0M | $285K | 0.26% | 3.18% | 0.09% | 7,758 |
| Q3 2025 | $107.4M | $97.2M | $85.8M | $10.1M | $232K | 0.29% | 3.17% | 0.07% | 7,659 |
| Q2 2025 | $109.0M | $98.7M | $89.5M | $10.0M | $169K | 0.31% | 3.08% | 0.23% | 7,577 |
| Q1 2025 | $115.2M | $104.9M | $90.9M | $9.9M | $99K | 0.34% | 2.79% | 0.20% | 7,535 |
| Q4 2024 | $115.3M | $105.2M | $93.5M | $9.8M | $-60K | -0.05% | 2.54% | 0.32% | 7,416 |
| Q3 2024 | $115.8M | $105.7M | $90.9M | $9.8M | $-94K | -0.11% | 2.49% | 0.33% | 7,283 |
| Q2 2024 | $114.6M | $104.5M | $90.4M | $9.8M | $-84K | -0.15% | 2.49% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | 0.69% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 5.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.07% |
| 7,119 |
Loan mix (Q1 2026): real estate $44.4M · commercial $0 · consumer $37.6M · securities $7.5M
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.