| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.8% | +3.9% | -15.7 pts |
| Share growth (YoY) | -15.6% | +3.3% | -18.9 pts |
| Loan growth (YoY) | -2.8% | +2.9% | -5.8 pts |
| ROA | 0.05% | 0.69% | -0.6 pts |
| ROE | 0.5% | 5.9% | -5.5 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $406.7M | $319.5M | $354.0M | $44.2M | $52K | 0.05% | 3.48% | 1.03% | 26,997 |
| Q4 2025 | $427.6M | $360.5M | $362.6M | $44.1M | $-305K | -0.07% | 3.14% | 1.10% | 27,187 |
| Q3 2025 | $448.7M | $366.4M | $363.6M | $44.2M | $-262K | -0.08% | 2.95% | 0.89% | 27,179 |
| Q2 2025 | $457.4M | $375.9M | $371.3M | $43.9M | $-566K | -0.25% | 2.84% | 0.45% | 27,260 |
| Q1 2025 | $461.0M | $378.3M | $364.3M | $43.7M | $-756K | -0.66% | 2.70% | 0.34% | 27,454 |
| Q4 2024 | $444.0M | $362.9M | $352.6M | $44.5M | $2.8M | 0.63% | 2.94% | 0.55% | 27,077 |
| Q3 2024 | $423.4M | $341.4M | $354.3M | $44.6M | $2.9M | 0.92% | 3.06% | 0.48% | 26,935 |
| Q2 2024 | $454.9M | $373.6M | $359.0M | $43.8M | $2.1M | 0.92% | 2.79% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.05% | 0.69% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 5.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.40% |
| 26,750 |
Loan mix (Q1 2026): real estate $227.9M · commercial $15.0M · consumer $95.6M · securities $28.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.5% | 78.7% | 84th |
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.