| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +3.9% | -7.4 pts |
| Share growth (YoY) | -4.3% | +3.3% | -7.6 pts |
| Loan growth (YoY) | -4.6% | +2.9% | -7.5 pts |
| ROA | 0.13% | 0.69% | -0.6 pts |
| ROE | 0.7% | 5.9% | -5.3 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $381.8M | $304.0M | $239.6M | $75.9M | $128K | 0.13% | 1.94% | 0.10% | 11,519 |
| Q4 2025 | $386.2M | $307.5M | $240.7M | $75.8M | $96K | 0.02% | 1.74% | 0.03% | 11,478 |
| Q3 2025 | $385.9M | $308.3M | $241.0M | $75.9M | $187K | 0.06% | 1.72% | 0.02% | 11,487 |
| Q2 2025 | $388.2M | $311.1M | $245.9M | $75.5M | $-193K | -0.10% | 1.67% | 0.08% | 11,582 |
| Q1 2025 | $395.7M | $317.9M | $251.1M | $75.5M | $-186K | -0.19% | 1.58% | 0.02% | 11,616 |
| Q4 2024 | $397.3M | $319.0M | $252.8M | $75.7M | $-1.1M | -0.27% | 1.65% | 0.00% | 11,595 |
| Q3 2024 | $396.2M | $317.9M | $254.2M | $76.4M | $-567K | -0.19% | 1.68% | 0.01% | 11,637 |
| Q2 2024 | $394.8M | $316.0M | $253.1M | $76.7M | $-284K | -0.14% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.69% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 5.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.94% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.71% |
| 0.00% |
| 11,564 |
Loan mix (Q1 2026): real estate $162.7M · commercial $0 · consumer $58.8M · securities $106.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.5% | 78.7% | 90th |
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.