| Metric | Nsp Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.2% | +1.3% | -7.5 pts |
| Share growth (YoY) | -7.6% | +0.7% | -8.3 pts |
| Loan growth (YoY) | +0.4% | -2.4% | +2.8 pts |
| ROA | -0.79% | 0.60% | -1.4 pts |
| ROE | -3.9% | 4.1% | -8.0 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $36.2M | $28.2M | $20.8M | $7.4M | $-71K | -0.79% | 3.99% | 0.83% | 2,699 |
| Q4 2025 | $36.3M | $28.2M | $20.9M | $7.4M | $-229K | -0.63% | 3.82% | 0.19% | 2,707 |
| Q3 2025 | $36.3M | $28.2M | $20.2M | $7.5M | $-194K | -0.71% | 3.76% | 0.38% | 2,731 |
| Q2 2025 | $37.6M | $29.6M | $20.1M | $7.5M | $-218K | -1.16% | 3.53% | 1.67% | 2,755 |
| Q1 2025 | $38.6M | $30.5M | $20.7M | $7.6M | $-96K | -1.00% | 3.34% | 0.62% | 2,768 |
| Q4 2024 | $38.3M | $30.2M | $21.5M | $7.7M | $-137K | -0.36% | 3.61% | 0.38% | 2,786 |
| Q3 2024 | $38.5M | $30.3M | $21.5M | $7.7M | $-106K | -0.37% | 3.60% | 0.56% | 2,803 |
| Q2 2024 | $39.5M | $31.4M | $22.3M | $7.7M | $-71K | -0.36% | 3.49% | 0.28% |
| Ratio | Nsp Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.79% | 0.60% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -3.9% | 4.1% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,824 |
Loan mix (Q1 2026): real estate $3.7M · commercial $0 · consumer $14.1M · securities $6.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.9% | 81.5% | 82th |
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 | Nsp Credit Union | 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 | Nsp Credit Union | 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 | Nsp Credit Union | 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 | Nsp Credit Union | 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.