| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.9 pts |
| Share growth (YoY) | -4.7% | +0.7% | -5.3 pts |
| Loan growth (YoY) | -2.0% | -2.4% | +0.4 pts |
| ROA | -0.76% | 0.60% | -1.4 pts |
| ROE | -9.3% | 4.1% | -13.4 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $84.9M | $57.9M | $59.0M | $6.9M | $-161K | -0.76% | 2.28% | 0.34% | 4,035 |
| Q4 2025 | $85.6M | $58.7M | $59.6M | $7.1M | $-761K | -0.89% | 2.04% | 0.25% | 4,072 |
| Q3 2025 | $87.0M | $59.6M | $61.0M | $7.3M | $-554K | -0.85% | 1.99% | 0.28% | 4,126 |
| Q2 2025 | $88.2M | $60.9M | $63.1M | $7.4M | $-369K | -0.84% | 1.93% | 0.28% | 4,188 |
| Q1 2025 | $86.2M | $60.8M | $60.2M | $7.6M | $-202K | -0.93% | 1.89% | 0.32% | 4,236 |
| Q4 2024 | $84.8M | $58.4M | $60.2M | $7.8M | $-916K | -1.08% | 1.83% | 0.15% | 4,294 |
| Q3 2024 | $87.0M | $60.5M | $60.4M | $8.2M | $-533K | -0.82% | 1.80% | 0.46% | 4,326 |
| Q2 2024 | $90.7M | $60.1M | $59.8M | $8.5M | $-205K | -0.45% | 1.79% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.76% | 0.60% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -9.3% | 4.1% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.28% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 0.40% |
| 4,415 |
Loan mix (Q1 2026): real estate $49.4M · commercial $0 · consumer $9.3M · securities $16.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 114.7% | 81.5% | 93th |
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.