| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +3.9% | -2.8 pts |
| Share growth (YoY) | +1.6% | +3.3% | -1.7 pts |
| Loan growth (YoY) | +10.1% | +2.9% | +7.2 pts |
| ROA | -1.90% | 0.69% | -2.6 pts |
| ROE | -17.3% | 5.9% | -23.2 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $153.4M | $129.9M | $117.7M | $16.9M | $-729K | -1.90% | 3.79% | 3.07% | 11,716 |
| Q4 2025 | $154.8M | $129.1M | $115.7M | $17.6M | $-4.6M | -3.00% | 3.50% | 2.02% | 11,713 |
| Q3 2025 | $147.8M | $125.4M | $109.8M | $19.4M | $-3.0M | -2.69% | 3.64% | 3.02% | 13,136 |
| Q2 2025 | $151.5M | $127.3M | $108.9M | $20.8M | $-1.6M | -2.07% | 3.50% | 2.21% | 13,476 |
| Q1 2025 | $151.7M | $127.8M | $106.9M | $21.3M | $-1.0M | -2.71% | 3.52% | 2.28% | 13,773 |
| Q4 2024 | $151.0M | $123.0M | $107.4M | $22.7M | $-1.8M | -1.17% | 3.82% | 1.53% | 14,083 |
| Q3 2024 | $150.7M | $121.2M | $108.9M | $23.7M | $-1.2M | -1.06% | 3.88% | 2.64% | 14,476 |
| Q2 2024 | $152.0M | $121.5M | $109.5M | $24.1M | $-811K | -1.07% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.90% | 0.69% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -17.3% | 5.9% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 3.85% |
| 2.44% |
| 15,184 |
Loan mix (Q1 2026): real estate $43.1M · commercial $9.3M · consumer $62.2M · securities $11.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.8% | 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.