| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +3.9% | -1.3 pts |
| Share growth (YoY) | +3.4% | +3.3% | +0.1 pts |
| Loan growth (YoY) | -8.9% | +2.9% | -11.8 pts |
| ROA | -0.70% | 0.69% | -1.4 pts |
| ROE | -7.2% | 5.9% | -13.2 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $126.1M | $113.0M | $88.8M | $12.1M | $-220K | -0.70% | 5.02% | 0.84% | 11,314 |
| Q4 2025 | $122.5M | $109.0M | $91.3M | $12.4M | $30K | 0.02% | 5.32% | 1.13% | 11,218 |
| Q3 2025 | $121.7M | $108.3M | $95.2M | $12.4M | $86K | 0.09% | 5.35% | 1.57% | 11,206 |
| Q2 2025 | $123.9M | $110.0M | $97.8M | $12.5M | $102K | 0.17% | 5.18% | 1.86% | 11,155 |
| Q1 2025 | $122.9M | $109.2M | $97.5M | $12.4M | $35K | 0.11% | 5.09% | 1.60% | 11,420 |
| Q4 2024 | $117.9M | $104.4M | $96.9M | $12.4M | $865K | 0.73% | 5.31% | 2.22% | 11,281 |
| Q3 2024 | $116.4M | $104.1M | $96.1M | $12.4M | $837K | 0.96% | 5.35% | 1.76% | 11,189 |
| Q2 2024 | $118.4M | $104.7M | $95.2M | $12.1M | $565K | 0.95% | 5.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.70% | 0.69% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -7.2% | 5.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.02% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.23% |
| 11,070 |
Loan mix (Q1 2026): real estate $19.5M · commercial $804K · consumer $62.8M · securities $20.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.9% | 78.7% | 85th |
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.