| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.3% | +3.9% | -11.2 pts |
| Share growth (YoY) | -7.7% | +3.3% | -11.0 pts |
| Loan growth (YoY) | -2.2% | +2.9% | -5.1 pts |
| ROA | -0.74% | 0.69% | -1.4 pts |
| ROE | -6.9% | 5.9% | -12.9 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $174.3M | $150.3M | $139.4M | $18.6M | $-323K | -0.74% | 4.65% | 0.40% | 14,639 |
| Q4 2025 | $176.0M | $147.4M | $141.4M | $19.0M | $-1.2M | -0.68% | 4.59% | 0.44% | 14,581 |
| Q3 2025 | $179.2M | $154.7M | $142.3M | $19.5M | $-909K | -0.68% | 4.48% | 0.31% | 14,439 |
| Q2 2025 | $181.2M | $155.6M | $140.4M | $19.9M | $-491K | -0.54% | 4.35% | 0.39% | 14,556 |
| Q1 2025 | $188.1M | $162.7M | $142.6M | $20.2M | $-239K | -0.51% | 4.14% | 0.45% | 14,845 |
| Q4 2024 | $186.0M | $160.2M | $146.3M | $20.4M | $912K | 0.49% | 4.22% | 0.48% | 14,793 |
| Q3 2024 | $188.1M | $161.3M | $146.9M | $20.4M | $694K | 0.49% | 4.15% | 0.62% | 14,666 |
| Q2 2024 | $189.0M | $161.7M | $147.6M | $20.1M | $393K | 0.42% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.74% | 0.69% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -6.9% | 5.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 4.12% |
| 0.67% |
| 15,232 |
Loan mix (Q1 2026): real estate $74.0M · commercial $19.8M · consumer $40.2M · securities $4.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 104.6% | 78.7% | 98th |
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.