| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +3.9% | -3.1 pts |
| Share growth (YoY) | +2.1% | +3.3% | -1.2 pts |
| Loan growth (YoY) | -7.4% | +2.9% | -10.3 pts |
| ROA | -0.27% | 0.69% | -1.0 pts |
| ROE | -2.6% | 5.9% | -8.5 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $125.1M | $111.6M | $72.2M | $13.0M | $-84K | -0.27% | 3.70% | 0.37% | 10,823 |
| Q4 2025 | $125.1M | $111.4M | $75.5M | $13.0M | $106K | 0.08% | 3.62% | 0.83% | 10,843 |
| Q3 2025 | $124.0M | $109.8M | $76.9M | $13.0M | $71K | 0.08% | 3.60% | 0.74% | 10,823 |
| Q2 2025 | $124.3M | $109.9M | $77.0M | $13.1M | $89K | 0.14% | 3.57% | 0.32% | 10,727 |
| Q1 2025 | $124.1M | $109.4M | $78.0M | $13.0M | $13K | 0.04% | 3.45% | 0.52% | 10,699 |
| Q4 2024 | $124.1M | $109.5M | $75.8M | $13.0M | $720K | 0.58% | 3.37% | 0.89% | 10,612 |
| Q3 2024 | $123.0M | $108.2M | $72.6M | $12.8M | $562K | 0.61% | 3.40% | 0.73% | 10,407 |
| Q2 2024 | $124.9M | $109.7M | $70.8M | $12.7M | $451K | 0.72% | 3.31% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.27% | 0.69% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -2.6% | 5.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.63% |
| 10,268 |
Loan mix (Q1 2026): real estate $13.8M · commercial $0 · consumer $57.6M · securities $40.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.2% | 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.