| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +3.9% | -6.0 pts |
| Share growth (YoY) | -3.0% | +3.3% | -6.3 pts |
| Loan growth (YoY) | -1.5% | +2.9% | -4.5 pts |
| ROA | 0.02% | 0.69% | -0.7 pts |
| ROE | 0.2% | 5.9% | -5.7 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $257.9M | $223.8M | $177.2M | $28.2M | $14K | 0.02% | 4.50% | 0.99% | 18,108 |
| Q4 2025 | $249.8M | $216.2M | $177.2M | $28.2M | $1.3M | 0.51% | 4.72% | 1.61% | 18,296 |
| Q3 2025 | $250.0M | $216.2M | $177.9M | $27.7M | $820K | 0.44% | 4.73% | 1.77% | 18,316 |
| Q2 2025 | $256.5M | $223.6M | $182.1M | $27.3M | $418K | 0.33% | 4.62% | 0.89% | 18,362 |
| Q1 2025 | $263.5M | $230.7M | $179.9M | $27.8M | $215K | 0.33% | 4.44% | 0.72% | 18,298 |
| Q4 2024 | $249.0M | $220.3M | $177.6M | $27.6M | $2.6M | 1.05% | 4.39% | 2.02% | 18,360 |
| Q3 2024 | $249.9M | $220.6M | $176.3M | $27.2M | $2.2M | 1.16% | 4.33% | 0.83% | 18,258 |
| Q2 2024 | $257.0M | $228.1M | $178.1M | $26.3M | $1.2M | 0.97% | 4.16% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 0.69% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 5.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.73% |
| 18,127 |
Loan mix (Q1 2026): real estate $70.6M · commercial $5.0M · consumer $83.4M · securities $30.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.3% | 78.7% | 52th |
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.