| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +1.3% | +5.1 pts |
| Share growth (YoY) | +7.3% | +0.7% | +6.7 pts |
| Loan growth (YoY) | +5.5% | -2.4% | +7.8 pts |
| ROA | -2.19% | 0.60% | -2.8 pts |
| ROE | -25.0% | 4.1% | -29.1 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $74.1M | $66.9M | $59.9M | $6.5M | $-407K | -2.19% | 4.20% | 0.48% | 8,822 |
| Q4 2025 | $70.6M | $62.9M | $60.0M | $6.9M | $603K | 0.85% | 4.28% | 0.62% | 8,746 |
| Q3 2025 | $70.3M | $62.6M | $57.3M | $6.8M | $476K | 0.90% | 4.31% | 0.34% | 8,608 |
| Q2 2025 | $69.1M | $61.7M | $57.3M | $6.6M | $317K | 0.92% | 4.38% | 0.28% | 8,608 |
| Q1 2025 | $69.7M | $62.3M | $56.8M | $6.4M | $49K | 0.28% | 4.29% | 0.31% | 8,511 |
| Q4 2024 | $67.4M | $60.2M | $54.2M | $6.3M | $249K | 0.37% | 4.14% | 1.23% | 8,446 |
| Q3 2024 | $69.2M | $62.2M | $52.5M | $6.2M | $176K | 0.34% | 3.93% | 0.40% | 8,576 |
| Q2 2024 | $67.5M | $60.7M | $53.3M | $6.1M | $48K | 0.14% | 3.88% | 0.70% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.19% | 0.60% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -25.0% | 4.1% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,513 |
Loan mix (Q1 2026): real estate $9.7M · commercial $0 · consumer $46.7M · securities $2.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.1% | 81.5% | 54th |
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.