| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +3.9% | -2.0 pts |
| Share growth (YoY) | +3.4% | +3.3% | +0.1 pts |
| Loan growth (YoY) | +0.2% | +2.9% | -2.8 pts |
| ROA | -0.06% | 0.69% | -0.7 pts |
| ROE | -0.6% | 5.9% | -6.6 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $123.6M | $112.4M | $104.2M | $10.9M | $-17K | -0.06% | 3.34% | 1.11% | 3,165 |
| Q4 2025 | $123.1M | $112.1M | $106.0M | $10.9M | $551K | 0.45% | 3.19% | 1.40% | 3,220 |
| Q3 2025 | $128.3M | $114.4M | $107.4M | $10.7M | $362K | 0.38% | 3.01% | 1.66% | 3,215 |
| Q2 2025 | $122.5M | $108.8M | $105.9M | $10.5M | $143K | 0.23% | 3.09% | 1.20% | 3,176 |
| Q1 2025 | $121.4M | $108.7M | $104.0M | $10.3M | $-57K | -0.19% | 3.05% | 1.62% | 3,172 |
| Q4 2024 | $118.5M | $105.9M | $101.9M | $10.4M | $496K | 0.42% | 3.00% | 1.42% | 3,169 |
| Q3 2024 | $114.7M | $102.2M | $101.4M | $10.2M | $376K | 0.44% | 3.08% | 1.75% | 3,104 |
| Q2 2024 | $113.1M | $100.8M | $99.6M | $10.2M | $298K | 0.53% | 3.22% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.06% | 0.69% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -0.6% | 5.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.69% |
| 3,127 |
Loan mix (Q1 2026): real estate $89.8M · commercial $4.4M · consumer $4.7M · securities $155K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.6% | 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% |
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