| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +1.3% | -0.4 pts |
| Share growth (YoY) | +4.4% | +0.7% | +3.8 pts |
| Loan growth (YoY) | +11.6% | -2.4% | +14.0 pts |
| ROA | -0.61% | 0.60% | -1.2 pts |
| ROE | -19.5% | 4.1% | -23.6 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $65.9M | $63.6M | $53.7M | $2.0M | $-100K | -0.61% | 5.28% | 1.05% | 12,578 |
| Q4 2025 | $60.8M | $58.7M | $55.1M | $2.1M | $-2.8M | -4.58% | 6.05% | 1.31% | 12,480 |
| Q3 2025 | $61.3M | $58.1M | $53.0M | $2.9M | $-2.2M | -4.82% | 5.99% | 0.98% | 12,478 |
| Q2 2025 | $64.7M | $60.1M | $50.2M | $4.2M | $-914K | -2.82% | 5.76% | 3.05% | 13,406 |
| Q1 2025 | $65.3M | $60.9M | $48.1M | $4.2M | $-968K | -5.93% | 5.72% | 2.80% | 13,267 |
| Q4 2024 | $62.9M | $58.2M | $51.0M | $5.2M | $-1.1M | -1.82% | 6.35% | 5.67% | 13,045 |
| Q3 2024 | $70.6M | $64.6M | $52.8M | $5.6M | $-889K | -1.68% | 5.76% | 5.12% | 12,845 |
| Q2 2024 | $71.2M | $63.9M | $54.1M | $6.1M | $-391K | -1.10% | 5.77% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.61% | 0.60% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -19.5% | 4.1% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.28% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5.55% |
| 12,645 |
Loan mix (Q1 2026): real estate $17.1M · commercial $0 · consumer $34.7M · securities $2.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.1% | 81.5% | 63th |
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.