| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.7% | +3.9% | -11.6 pts |
| Share growth (YoY) | -6.1% | +3.3% | -9.4 pts |
| Loan growth (YoY) | -6.0% | +2.9% | -9.0 pts |
| ROA | -0.08% | 0.69% | -0.8 pts |
| ROE | -1.2% | 5.9% | -7.1 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 | $116.1M | $106.5M | $89.7M | $7.9M | $-23K | -0.08% | 4.32% | 0.46% | 8,361 |
| Q4 2025 | $118.6M | $106.1M | $91.8M | $8.0M | $271K | 0.23% | 4.35% | 0.83% | 8,844 |
| Q3 2025 | $120.0M | $107.5M | $93.7M | $8.0M | $182K | 0.20% | 4.30% | 1.02% | 8,922 |
| Q2 2025 | $126.3M | $113.6M | $95.7M | $7.9M | $73K | 0.11% | 4.05% | 0.82% | 8,930 |
| Q1 2025 | $125.8M | $113.4M | $95.5M | $7.8M | $-79K | -0.25% | 4.01% | 0.68% | 8,933 |
| Q4 2024 | $124.6M | $110.7M | $95.8M | $7.9M | $-1.7M | -1.37% | 3.96% | 0.99% | 9,194 |
| Q3 2024 | $124.6M | $109.1M | $96.2M | $7.9M | $-1.7M | -1.87% | 3.94% | 0.65% | 9,198 |
| Q2 2024 | $129.7M | $115.0M | $97.0M | $8.6M | $-1.0M | -1.59% | 3.77% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.08% | 0.69% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -1.2% | 5.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.61% |
| 9,203 |
Loan mix (Q1 2026): real estate $61.2M · commercial $3.6M · consumer $24.9M · securities $4.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.4% | 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.