| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -14.5% | +3.9% | -18.4 pts |
| Share growth (YoY) | -15.3% | +3.3% | -18.6 pts |
| Loan growth (YoY) | -7.8% | +2.9% | -10.7 pts |
| ROA | 0.38% | 0.69% | -0.3 pts |
| ROE | 3.6% | 5.9% | -2.3 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $100.8M | $89.5M | $72.2M | $10.7M | $97K | 0.38% | 4.72% | 0.86% | 8,348 |
| Q4 2025 | $102.7M | $91.5M | $73.4M | $10.6M | $-869K | -0.85% | 4.54% | 1.18% | 8,375 |
| Q3 2025 | $107.1M | $95.6M | $74.4M | $11.0M | $-615K | -0.77% | 4.27% | 1.28% | 8,362 |
| Q2 2025 | $114.8M | $103.1M | $76.7M | $11.2M | $-401K | -0.70% | 3.90% | 0.68% | 8,282 |
| Q1 2025 | $117.9M | $105.7M | $78.3M | $11.5M | $-61K | -0.21% | 3.64% | 1.61% | 8,222 |
| Q4 2024 | $113.1M | $101.1M | $83.4M | $11.6M | $850K | 0.75% | 3.84% | 1.91% | 8,134 |
| Q3 2024 | $107.1M | $95.3M | $86.6M | $11.5M | $712K | 0.89% | 4.02% | 1.81% | 8,109 |
| Q2 2024 | $106.3M | $94.3M | $88.9M | $11.3M | $540K | 1.02% | 4.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.69% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 5.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.68% |
| 8,083 |
Loan mix (Q1 2026): real estate $16.3M · commercial $0 · consumer $45.1M · securities $12.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.7% | 78.7% | 50th |
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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