| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +3.9% | -5.0 pts |
| Share growth (YoY) | +1.9% | +3.3% | -1.4 pts |
| Loan growth (YoY) | +5.8% | +2.9% | +2.8 pts |
| ROA | 0.04% | 0.69% | -0.7 pts |
| ROE | 0.4% | 5.9% | -5.5 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $170.7M | $155.1M | $121.4M | $16.8M | $17K | 0.04% | 3.90% | 0.71% | 8,701 |
| Q4 2025 | $172.2M | $156.5M | $123.3M | $16.8M | $83K | 0.05% | 3.42% | 0.57% | 8,604 |
| Q3 2025 | $170.4M | $155.0M | $123.8M | $16.7M | $13K | 0.01% | 3.38% | 0.40% | 8,730 |
| Q2 2025 | $176.9M | $152.7M | $121.9M | $16.7M | $28K | 0.03% | 3.20% | 0.25% | 8,593 |
| Q1 2025 | $172.7M | $152.2M | $114.8M | $16.6M | $-47K | -0.11% | 3.20% | 0.18% | 8,444 |
| Q4 2024 | $171.4M | $150.9M | $113.2M | $16.7M | $59K | 0.03% | 3.14% | 0.29% | 8,334 |
| Q3 2024 | $170.3M | $145.1M | $110.6M | $16.6M | $-26K | -0.02% | 3.10% | 0.67% | 8,395 |
| Q2 2024 | $165.1M | $141.6M | $105.5M | $16.6M | $-90K | -0.11% | 3.22% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.04% | 0.69% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 5.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.93% |
| 8,244 |
Loan mix (Q1 2026): real estate $93.2M · commercial $0 · consumer $27.5M · securities $36.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.4% | 78.7% | 88th |
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.