| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +3.9% | -3.1 pts |
| Share growth (YoY) | +0.7% | +3.3% | -2.6 pts |
| Loan growth (YoY) | +0.4% | +2.9% | -2.6 pts |
| ROA | -0.13% | 0.69% | -0.8 pts |
| ROE | -1.0% | 5.9% | -6.9 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 | $346.0M | $293.9M | $250.6M | $48.3M | $-115K | -0.13% | 4.28% | 0.31% | 24,469 |
| Q4 2025 | $336.2M | $283.5M | $254.9M | $48.1M | $1.7M | 0.51% | 4.58% | 0.38% | 24,460 |
| Q3 2025 | $336.6M | $283.3M | $251.3M | $48.5M | $1.3M | 0.53% | 4.54% | 0.33% | 24,384 |
| Q2 2025 | $338.2M | $285.5M | $249.9M | $47.8M | $671K | 0.40% | 4.50% | 0.34% | 24,371 |
| Q1 2025 | $343.1M | $291.9M | $249.6M | $47.0M | $-163K | -0.19% | 4.25% | 0.42% | 24,308 |
| Q4 2024 | $339.7M | $287.1M | $250.6M | $47.2M | $3.7M | 1.10% | 4.36% | 0.78% | 24,137 |
| Q3 2024 | $338.4M | $286.6M | $255.1M | $47.2M | $3.7M | 1.47% | 4.36% | 0.48% | 23,953 |
| Q2 2024 | $342.4M | $289.1M | $258.2M | $46.8M | $3.3M | 1.91% | 4.30% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.13% | 0.69% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -1.0% | 5.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.30% |
| 24,040 |
Loan mix (Q1 2026): real estate $115.9M · commercial $0 · consumer $133.0M · securities $15.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.3% | 78.7% | 78th |
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.