| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.8% | +3.9% | -9.7 pts |
| Share growth (YoY) | -0.9% | +3.3% | -4.2 pts |
| Loan growth (YoY) | -1.4% | +2.9% | -4.3 pts |
| ROA | -0.12% | 0.69% | -0.8 pts |
| ROE | -1.3% | 5.9% | -7.3 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 | $369.1M | $331.0M | $285.1M | $34.8M | $-114K | -0.12% | 3.44% | 0.41% | 18,277 |
| Q4 2025 | $381.3M | $314.3M | $285.3M | $34.9M | $3.1M | 0.82% | 3.18% | 0.74% | 18,456 |
| Q3 2025 | $372.5M | $307.5M | $287.2M | $34.3M | $-177K | -0.06% | 3.23% | 0.44% | 22,492 |
| Q2 2025 | $375.4M | $321.9M | $287.9M | $34.0M | $-512K | -0.27% | 3.11% | 0.52% | 22,492 |
| Q1 2025 | $391.9M | $334.1M | $289.2M | $34.1M | $-428K | -0.44% | 2.94% | 0.56% | 21,952 |
| Q4 2024 | $392.4M | $331.0M | $294.2M | $34.5M | $25K | 0.01% | 2.94% | 0.82% | 22,546 |
| Q3 2024 | $412.0M | $340.4M | $306.0M | $38.0M | $770K | 0.25% | 2.77% | 1.00% | 23,122 |
| Q2 2024 | $408.0M | $348.4M | $309.8M | $38.6M | $1.4M | 0.67% | 2.80% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.12% | 0.69% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -1.3% | 5.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.05% |
| 23,425 |
Loan mix (Q1 2026): real estate $147.6M · commercial $81.5M · consumer $28.1M · securities $47.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 102.8% | 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.