| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +3.9% | -4.5 pts |
| Share growth (YoY) | -1.3% | +3.3% | -4.6 pts |
| Loan growth (YoY) | +0.9% | +2.9% | -2.0 pts |
| ROA | -0.10% | 0.69% | -0.8 pts |
| ROE | -1.0% | 5.9% | -6.9 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $108.7M | $98.4M | $58.5M | $10.4M | $-26K | -0.10% | 3.51% | 0.64% | 11,077 |
| Q4 2025 | $106.6M | $96.5M | $57.8M | $10.4M | $246K | 0.23% | 3.78% | 0.41% | 11,159 |
| Q3 2025 | $106.4M | $96.0M | $56.7M | $10.4M | $235K | 0.29% | 3.81% | 0.21% | 11,174 |
| Q2 2025 | $109.4M | $99.5M | $58.0M | $10.4M | $208K | 0.38% | 3.66% | 0.49% | 11,223 |
| Q1 2025 | $109.4M | $99.6M | $58.0M | $10.4M | $197K | 0.72% | 3.61% | 0.65% | 11,319 |
| Q4 2024 | $107.5M | $98.2M | $58.7M | $10.2M | $158K | 0.15% | 3.72% | 0.44% | 11,404 |
| Q3 2024 | $108.7M | $98.9M | $59.5M | $10.3M | $261K | 0.32% | 3.65% | 0.63% | 11,547 |
| Q2 2024 | $109.4M | $99.9M | $60.2M | $10.2M | $132K | 0.24% | 3.58% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.10% | 0.69% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -1.0% | 5.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.77% |
| 11,632 |
Loan mix (Q1 2026): real estate $21.5M · commercial $8.8M · consumer $26.7M · securities $33.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 102.1% | 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.