| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.0% | +3.9% | -7.9 pts |
| Share growth (YoY) | -3.8% | +3.3% | -7.1 pts |
| Loan growth (YoY) | -3.5% | +2.9% | -6.4 pts |
| ROA | -0.48% | 0.69% | -1.2 pts |
| ROE | -3.5% | 5.9% | -9.5 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $236.0M | $204.1M | $186.0M | $31.8M | $-282K | -0.48% | 3.82% | 3.36% | 14,720 |
| Q4 2025 | $239.9M | $207.6M | $185.8M | $32.1M | $-1.5M | -0.63% | 3.84% | 5.31% | 14,754 |
| Q3 2025 | $243.3M | $209.7M | $190.3M | $33.9M | $72K | 0.04% | 3.77% | 3.51% | 14,925 |
| Q2 2025 | $243.2M | $209.6M | $189.5M | $34.2M | $358K | 0.29% | 3.74% | 1.48% | 15,026 |
| Q1 2025 | $245.8M | $212.2M | $192.7M | $34.2M | $370K | 0.60% | 3.70% | 1.52% | 15,184 |
| Q4 2024 | $248.3M | $215.5M | $196.7M | $33.8M | $-399K | -0.16% | 3.42% | 1.54% | 15,380 |
| Q3 2024 | $247.7M | $214.5M | $194.4M | $34.1M | $-398K | -0.21% | 3.37% | 1.38% | 15,515 |
| Q2 2024 | $246.4M | $212.9M | $194.5M | $34.1M | $-397K | -0.32% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.48% | 0.69% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -3.5% | 5.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 3.35% |
| 1.38% |
| 15,590 |
Loan mix (Q1 2026): real estate $67.4M · commercial $44.4M · consumer $65.3M · securities $16.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.3% | 78.7% | 81th |
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.