| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +3.9% | -4.3 pts |
| Share growth (YoY) | -1.3% | +3.3% | -4.6 pts |
| Loan growth (YoY) | +3.1% | +2.9% | +0.2 pts |
| ROA | 0.10% | 0.69% | -0.6 pts |
| ROE | 0.8% | 5.9% | -5.2 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 | $249.5M | $212.1M | $163.5M | $32.8M | $63K | 0.10% | 3.79% | 0.53% | 23,654 |
| Q4 2025 | $244.8M | $205.6M | $160.7M | $32.8M | $432K | 0.18% | 3.81% | 0.75% | 23,537 |
| Q3 2025 | $243.9M | $207.3M | $158.1M | $31.9M | $-389K | -0.21% | 3.78% | 0.64% | 23,641 |
| Q2 2025 | $247.4M | $211.6M | $158.8M | $32.2M | $-108K | -0.09% | 3.73% | 0.57% | 23,950 |
| Q1 2025 | $250.4M | $214.9M | $158.5M | $32.3M | $-61K | -0.10% | 3.58% | 0.48% | 24,691 |
| Q4 2024 | $240.9M | $206.1M | $158.5M | $32.3M | $682K | 0.28% | 3.70% | 0.59% | 24,733 |
| Q3 2024 | $239.3M | $204.9M | $160.4M | $32.0M | $365K | 0.20% | 3.71% | 0.59% | 24,737 |
| Q2 2024 | $239.6M | $206.3M | $157.4M | $31.9M | $207K | 0.17% | 3.67% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 0.69% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 5.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.37% |
| 24,744 |
Loan mix (Q1 2026): real estate $68.5M · commercial $0 · consumer $81.9M · securities $51.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.0% | 78.7% | 93th |
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% |
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