| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +3.9% | +6.4 pts |
| Share growth (YoY) | +11.4% | +3.3% | +8.1 pts |
| Loan growth (YoY) | +0.0% | +2.9% | -2.9 pts |
| ROA | -0.20% | 0.69% | -0.9 pts |
| ROE | -1.7% | 5.9% | -7.7 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 | $135.5M | $118.3M | $65.8M | $15.8M | $-69K | -0.20% | 4.88% | 2.02% | 17,859 |
| Q4 2025 | $132.1M | $114.3M | $67.5M | $16.0M | $454K | 0.34% | 5.13% | 2.44% | 18,085 |
| Q3 2025 | $132.9M | $114.6M | $67.6M | $16.2M | $415K | 0.42% | 5.27% | 2.10% | 18,233 |
| Q2 2025 | $123.3M | $106.9M | $65.0M | $15.7M | $399K | 0.65% | 5.38% | 2.18% | 16,574 |
| Q1 2025 | $122.9M | $106.2M | $65.8M | $15.6M | $260K | 0.85% | 5.33% | 2.23% | 16,702 |
| Q4 2024 | $120.2M | $103.5M | $66.4M | $15.6M | $-163K | -0.14% | 5.43% | 2.86% | 16,857 |
| Q3 2024 | $122.0M | $104.6M | $66.3M | $15.0M | $-9K | -0.01% | 5.34% | 2.38% | 16,943 |
| Q2 2024 | $126.2M | $108.8M | $67.4M | $15.7M | $-3K | -0.01% | 5.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.20% | 0.69% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -1.7% | 5.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.88% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.39% |
| 16,942 |
Loan mix (Q1 2026): real estate $22.9M · commercial $0 · consumer $42.0M · securities $49.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.3% | 78.7% | 97th |
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.