| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +3.9% | -6.6 pts |
| Share growth (YoY) | -3.9% | +3.3% | -7.2 pts |
| Loan growth (YoY) | -4.3% | +2.9% | -7.2 pts |
| ROA | 0.35% | 0.69% | -0.3 pts |
| ROE | 2.2% | 5.9% | -3.8 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $122.8M | $102.4M | $76.0M | $19.8M | $107K | 0.35% | 3.37% | 0.37% | 9,326 |
| Q4 2025 | $123.4M | $103.3M | $77.7M | $19.7M | $978K | 0.79% | 3.53% | 0.67% | 9,270 |
| Q3 2025 | $124.4M | $104.3M | $78.5M | $19.5M | $818K | 0.88% | 3.51% | 0.20% | 9,228 |
| Q2 2025 | $125.3M | $105.4M | $78.5M | $19.2M | $551K | 0.88% | 3.45% | 0.18% | 9,174 |
| Q1 2025 | $126.2M | $106.6M | $79.3M | $18.9M | $231K | 0.73% | 3.37% | 0.08% | 8,797 |
| Q4 2024 | $124.1M | $104.9M | $80.0M | $18.7M | $1.2M | 0.94% | 3.72% | 0.07% | 9,095 |
| Q3 2024 | $121.4M | $102.4M | $80.8M | $18.5M | $988K | 1.08% | 3.86% | 0.02% | 9,056 |
| Q2 2024 | $122.2M | $103.4M | $81.7M | $18.2M | $658K | 1.08% | 3.88% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.69% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 5.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.06% |
| 9,005 |
Loan mix (Q1 2026): real estate $50.3M · commercial $18.7M · consumer $5.9M · securities $6.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.3% | 78.7% | 86th |
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.