| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +3.9% | -4.1 pts |
| Share growth (YoY) | -1.0% | +3.3% | -4.3 pts |
| Loan growth (YoY) | -3.6% | +2.9% | -6.5 pts |
| ROA | 0.15% | 0.69% | -0.5 pts |
| ROE | 1.8% | 5.9% | -4.1 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $143.9M | $131.8M | $82.1M | $11.3M | $52K | 0.15% | 3.41% | 0.60% | 9,312 |
| Q4 2025 | $141.9M | $129.9M | $80.8M | $11.3M | $353K | 0.25% | 3.49% | 0.94% | 9,439 |
| Q3 2025 | $142.6M | $131.0M | $84.8M | $11.2M | $251K | 0.23% | 3.43% | 0.81% | 9,597 |
| Q2 2025 | $143.7M | $132.2M | $83.5M | $11.1M | $135K | 0.19% | 3.33% | 0.60% | 9,725 |
| Q1 2025 | $144.2M | $133.2M | $85.1M | $10.9M | $-34K | -0.10% | 3.24% | 0.31% | 9,836 |
| Q4 2024 | $140.8M | $130.4M | $85.0M | $11.0M | $460K | 0.33% | 3.26% | 0.40% | 9,919 |
| Q3 2024 | $139.3M | $128.6M | $88.3M | $10.9M | $251K | 0.24% | 3.27% | 0.30% | 10,030 |
| Q2 2024 | $140.3M | $129.9M | $91.7M | $10.8M | $150K | 0.21% | 3.22% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.69% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 5.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.34% |
| 10,131 |
Loan mix (Q1 2026): real estate $32.8M · commercial $2.5M · consumer $40.7M · securities $35.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.2% | 78.7% | 78th |
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.