| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +3.9% | -1.9 pts |
| Share growth (YoY) | +2.4% | +3.3% | -0.9 pts |
| Loan growth (YoY) | -12.0% | +2.9% | -14.9 pts |
| ROA | -0.17% | 0.69% | -0.9 pts |
| ROE | -1.6% | 5.9% | -7.6 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 | $138.9M | $122.6M | $66.0M | $14.7M | $-60K | -0.17% | 4.19% | 0.55% | 8,871 |
| Q4 2025 | $136.7M | $120.4M | $66.0M | $14.7M | $209K | 0.15% | 4.42% | 1.02% | 9,099 |
| Q3 2025 | $136.7M | $120.4M | $68.7M | $14.8M | $284K | 0.28% | 4.45% | 1.05% | 9,282 |
| Q2 2025 | $134.6M | $118.5M | $71.4M | $14.7M | $182K | 0.27% | 4.51% | 0.72% | 9,430 |
| Q1 2025 | $136.1M | $119.7M | $75.0M | $14.6M | $93K | 0.27% | 4.41% | 0.77% | 9,567 |
| Q4 2024 | $132.0M | $115.8M | $80.3M | $14.5M | $1.0M | 0.79% | 4.73% | 0.73% | 9,842 |
| Q3 2024 | $134.6M | $119.1M | $84.6M | $13.6M | $63K | 0.06% | 4.66% | 1.24% | 10,041 |
| Q2 2024 | $135.7M | $120.2M | $89.9M | $13.5M | $20 | 0.00% | 4.56% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.17% | 0.69% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -1.6% | 5.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.26% |
| 10,206 |
Loan mix (Q1 2026): real estate $22.5M · commercial $0 · consumer $38.8M · securities $58.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.3% | 78.7% | 93th |
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.