| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +3.9% | -4.9 pts |
| Share growth (YoY) | -1.4% | +3.3% | -4.7 pts |
| Loan growth (YoY) | +4.4% | +2.9% | +1.5 pts |
| ROA | -0.22% | 0.69% | -0.9 pts |
| ROE | -3.6% | 5.9% | -9.6 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 | $336.4M | $321.9M | $214.2M | $20.6M | $-186K | -0.22% | 3.35% | 0.38% | 14,275 |
| Q4 2025 | $334.3M | $318.4M | $216.0M | $20.7M | $63K | 0.02% | 3.43% | 0.49% | 14,381 |
| Q3 2025 | $331.8M | $317.0M | $217.2M | $21.0M | $61K | 0.02% | 3.45% | 0.47% | 14,560 |
| Q2 2025 | $336.6M | $323.0M | $210.6M | $21.0M | $1K | 0.00% | 3.35% | 0.57% | 14,692 |
| Q1 2025 | $339.7M | $326.3M | $205.1M | $21.0M | $3K | 0.00% | 3.21% | 0.65% | 14,721 |
| Q4 2024 | $331.6M | $319.5M | $200.7M | $21.0M | $395K | 0.12% | 3.29% | 0.82% | 14,772 |
| Q3 2024 | $334.3M | $319.6M | $200.8M | $21.0M | $204K | 0.08% | 3.26% | 0.84% | 15,080 |
| Q2 2024 | $342.3M | $329.2M | $199.1M | $20.8M | $9K | 0.01% | 3.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.22% | 0.69% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -3.6% | 5.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.96% |
| 15,417 |
Loan mix (Q1 2026): real estate $129.9M · commercial $37.6M · consumer $36.6M · securities $55.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.5% | 78.7% | 98th |
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.