| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +1.3% | -0.4 pts |
| Share growth (YoY) | -0.1% | +0.7% | -0.8 pts |
| Loan growth (YoY) | +2.9% | -2.4% | +5.2 pts |
| ROA | -0.59% | 0.60% | -1.2 pts |
| ROE | -5.5% | 4.1% | -9.6 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $99.7M | $91.9M | $35.4M | $10.8M | $-148K | -0.59% | 3.19% | 0.17% | 6,021 |
| Q4 2025 | $98.4M | $90.3M | $36.8M | $10.9M | $308K | 0.31% | 3.15% | 0.34% | 6,114 |
| Q3 2025 | $98.6M | $90.4M | $37.5M | $11.1M | $458K | 0.62% | 3.12% | 0.59% | 6,161 |
| Q2 2025 | $100.9M | $93.6M | $34.8M | $11.3M | $660K | 1.31% | 2.95% | 0.40% | 6,216 |
| Q1 2025 | $98.8M | $92.0M | $34.4M | $10.8M | $83K | 0.34% | 2.94% | 0.36% | 6,442 |
| Q4 2024 | $94.0M | $88.0M | $33.4M | $10.7M | $-70K | -0.07% | 2.97% | 0.47% | 6,487 |
| Q3 2024 | $95.1M | $88.2M | $34.0M | $10.8M | $-33K | -0.05% | 2.88% | 0.78% | 6,562 |
| Q2 2024 | $95.7M | $90.5M | $35.0M | $10.8M | $-44K | -0.09% | 2.81% | 0.71% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.59% | 0.60% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -5.5% | 4.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,594 |
Loan mix (Q1 2026): real estate $15.8M · commercial $0 · consumer $19.4M · securities $52.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.5% | 81.5% | 86th |
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.