| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +3.9% | -7.0 pts |
| Share growth (YoY) | -1.9% | +3.3% | -5.2 pts |
| Loan growth (YoY) | -1.5% | +2.9% | -4.5 pts |
| ROA | -0.47% | 0.69% | -1.2 pts |
| ROE | -5.6% | 5.9% | -11.5 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $382.5M | $344.4M | $251.8M | $32.0M | $-445K | -0.47% | 2.98% | 0.56% | 27,779 |
| Q4 2025 | $387.2M | $339.6M | $259.3M | $32.4M | $116K | 0.03% | 3.01% | 0.65% | 28,097 |
| Q3 2025 | $385.8M | $340.4M | $260.9M | $30.8M | $-1.5M | -0.53% | 2.97% | 0.55% | 28,287 |
| Q2 2025 | $386.8M | $344.1M | $258.1M | $31.4M | $-880K | -0.46% | 2.95% | 0.54% | 28,902 |
| Q1 2025 | $394.7M | $351.2M | $255.7M | $31.8M | $-526K | -0.53% | 2.84% | 0.47% | 29,616 |
| Q4 2024 | $387.5M | $345.4M | $260.3M | $32.3M | $-2.2M | -0.58% | 2.88% | 0.55% | 30,368 |
| Q3 2024 | $391.2M | $346.4M | $260.1M | $32.8M | $-1.7M | -0.59% | 2.82% | 0.46% | 30,487 |
| Q2 2024 | $397.0M | $355.0M | $265.0M | $33.2M | $-1.1M | -0.57% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.47% | 0.69% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -5.6% | 5.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.77% |
| 0.49% |
| 30,458 |
Loan mix (Q1 2026): real estate $163.2M · commercial $2.9M · consumer $78.5M · securities $71.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 109.6% | 78.7% | 99th |
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.