| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +3.9% | -7.1 pts |
| Share growth (YoY) | -3.2% | +3.3% | -6.5 pts |
| Loan growth (YoY) | -2.4% | +2.9% | -5.3 pts |
| ROA | -0.53% | 0.69% | -1.2 pts |
| ROE | -5.9% | 5.9% | -11.9 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 | $100.5M | $91.3M | $45.9M | $9.0M | $-133K | -0.53% | 3.28% | 1.34% | 3,703 |
| Q4 2025 | $94.9M | $85.9M | $46.9M | $9.1M | $-301K | -0.32% | 3.40% | 1.19% | 3,709 |
| Q3 2025 | $96.7M | $87.7M | $47.1M | $9.1M | $-262K | -0.36% | 3.31% | 1.06% | 3,745 |
| Q2 2025 | $98.9M | $90.1M | $44.7M | $9.2M | $-222K | -0.45% | 3.19% | 1.19% | 3,803 |
| Q1 2025 | $103.8M | $94.3M | $47.1M | $9.3M | $-134K | -0.52% | 2.98% | 1.12% | 3,831 |
| Q4 2024 | $99.2M | $90.3M | $46.4M | $9.4M | $-720K | -0.73% | 2.70% | 0.81% | 3,909 |
| Q3 2024 | $99.7M | $90.4M | $45.9M | $9.6M | $-596K | -0.80% | 2.66% | 0.62% | 3,924 |
| Q2 2024 | $104.8M | $95.5M | $45.7M | $9.7M | $-475K | -0.91% | 2.54% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.53% | 0.69% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -5.9% | 5.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.59% |
| 3,875 |
Loan mix (Q1 2026): real estate $37.7M · commercial $0 · consumer $8.2M · securities $40.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.1% | 78.7% | 97th |
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.