| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +1.3% | -3.5 pts |
| Share growth (YoY) | -2.3% | +0.7% | -2.9 pts |
| Loan growth (YoY) | -1.5% | -2.4% | +0.9 pts |
| ROA | -1.57% | 0.60% | -2.2 pts |
| ROE | -11.4% | 4.1% | -15.5 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.0M | $10.3M | $5.1M | $1.6M | $-47K | -1.57% | 5.98% | 0.77% | 1,621 |
| Q4 2025 | $12.0M | $10.3M | $5.4M | $1.7M | $28K | 0.23% | 6.27% | 2.06% | 1,642 |
| Q3 2025 | $11.7M | $10.0M | $5.3M | $1.7M | $42K | 0.48% | 6.42% | 1.54% | 1,645 |
| Q2 2025 | $11.9M | $10.2M | $5.2M | $1.7M | $28K | 0.46% | 6.31% | 3.62% | 1,648 |
| Q1 2025 | $12.3M | $10.6M | $5.1M | $1.7M | $17K | 0.56% | 6.45% | 2.32% | 1,659 |
| Q4 2024 | $11.9M | $10.2M | $5.1M | $1.7M | $76K | 0.64% | 6.09% | 1.39% | 1,655 |
| Q3 2024 | $11.8M | $10.2M | $5.2M | $1.7M | $41K | 0.46% | 6.19% | 2.14% | 1,658 |
| Q2 2024 | $11.9M | $10.3M | $5.2M | $1.6M | $14K | 0.24% | 5.93% | 3.11% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.57% | 0.60% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -11.4% | 4.1% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.98% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,664 |
Loan mix (Q1 2026): real estate $40K · commercial $0 · consumer $4.8M · securities $4.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.1% | 81.5% | 71st |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Kent, DE, ranked 16th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kent, DE | 1 | $10.2M* | 0.27% | 16th |
Delaware: 44th with 0.00% · Dover metro: 16th, 0.27% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1