| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +1.3% | -2.6 pts |
| Share growth (YoY) | +0.6% | +0.7% | -0.1 pts |
| Loan growth (YoY) | -6.6% | -2.4% | -4.2 pts |
| ROA | -1.58% | 0.60% | -2.2 pts |
| ROE | -19.6% | 4.1% | -23.7 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 | $82.9M | $73.5M | $50.7M | $6.7M | $-328K | -1.58% | 3.37% | 0.94% | 5,866 |
| Q4 2025 | $81.1M | $71.4M | $51.5M | $7.0M | $-894K | -1.10% | 3.57% | 1.83% | 5,884 |
| Q3 2025 | $79.1M | $69.0M | $52.2M | $7.6M | $-335K | -0.56% | 3.67% | 2.54% | 5,916 |
| Q2 2025 | $81.1M | $70.4M | $53.7M | $7.8M | $-185K | -0.45% | 3.56% | 1.82% | 5,965 |
| Q1 2025 | $84.0M | $73.1M | $54.3M | $7.9M | $-62K | -0.29% | 3.43% | 0.94% | 5,977 |
| Q4 2024 | $80.2M | $69.6M | $56.0M | $8.0M | $-54K | -0.07% | 3.85% | 1.65% | 5,980 |
| Q3 2024 | $81.0M | $70.5M | $56.7M | $8.1M | $99K | 0.16% | 3.90% | 2.11% | 6,033 |
| Q2 2024 | $81.3M | $70.3M | $57.5M | $8.2M | $140K | 0.34% | 3.93% | 2.76% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.58% | 0.60% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -19.6% | 4.1% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,094 |
Loan mix (Q1 2026): real estate $26.1M · commercial $3.8M · consumer $19.6M · securities $10.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 123.4% | 81.5% | 95th |
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% |
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