| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +3.9% | +1.9 pts |
| Share growth (YoY) | +8.2% | +3.3% | +4.9 pts |
| Loan growth (YoY) | -6.2% | +2.9% | -9.1 pts |
| ROA | -0.53% | 0.69% | -1.2 pts |
| ROE | -4.9% | 5.9% | -10.8 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $356.4M | $285.2M | $170.7M | $38.9M | $-475K | -0.53% | 2.08% | 0.76% | 13,687 |
| Q4 2025 | $341.1M | $268.8M | $175.5M | $39.3M | $-210K | -0.06% | 2.26% | 0.63% | 13,658 |
| Q3 2025 | $344.6M | $268.2M | $176.5M | $39.7M | $125K | 0.05% | 2.26% | 0.54% | 13,782 |
| Q2 2025 | $344.1M | $269.6M | $178.9M | $39.9M | $296K | 0.17% | 2.25% | 0.86% | 13,792 |
| Q1 2025 | $336.8M | $263.6M | $182.0M | $39.3M | $-277K | -0.33% | 2.28% | 0.74% | 13,769 |
| Q4 2024 | $322.2M | $250.5M | $185.9M | $39.6M | $-6.1M | -1.90% | 2.15% | 1.41% | 13,729 |
| Q3 2024 | $325.7M | $250.4M | $188.3M | $40.0M | $-5.8M | -2.39% | 2.05% | 1.08% | 13,808 |
| Q2 2024 | $359.5M | $254.7M | $189.4M | $44.8M | $-969K | -0.54% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.53% | 0.69% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -4.9% | 5.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.08% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.86% |
| 0.31% |
| 13,816 |
Loan mix (Q1 2026): real estate $142.6M · commercial $0 · consumer $27.2M · securities $82.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 118.2% | 78.7% | 99th |
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.