| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +3.9% | -4.6 pts |
| Share growth (YoY) | -1.2% | +3.3% | -4.5 pts |
| Loan growth (YoY) | +3.4% | +2.9% | +0.4 pts |
| ROA | 0.21% | 0.69% | -0.5 pts |
| ROE | 2.7% | 5.9% | -3.2 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $150.6M | $140.6M | $93.6M | $11.4M | $78K | 0.21% | 2.32% | 0.98% | 5,994 |
| Q4 2025 | $152.9M | $142.8M | $94.8M | $11.3M | $-212K | -0.14% | 2.21% | 0.85% | 6,056 |
| Q3 2025 | $152.6M | $142.7M | $97.2M | $11.5M | $-94K | -0.08% | 2.23% | 1.05% | 6,124 |
| Q2 2025 | $158.1M | $148.3M | $97.0M | $11.7M | $27K | 0.03% | 2.19% | 1.17% | 6,193 |
| Q1 2025 | $151.7M | $142.3M | $90.6M | $11.7M | $58K | 0.15% | 2.24% | 0.74% | 6,259 |
| Q4 2024 | $143.4M | $134.6M | $90.6M | $11.6M | $-475K | -0.33% | 2.23% | 1.14% | 6,325 |
| Q3 2024 | $147.2M | $135.6M | $90.8M | $11.9M | $-302K | -0.27% | 2.21% | 1.82% | 6,375 |
| Q2 2024 | $148.6M | $134.4M | $92.1M | $12.1M | $-144K | -0.19% | 2.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.69% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 5.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.32% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.70% |
| 6,454 |
Loan mix (Q1 2026): real estate $61.4M · commercial $23.4M · consumer $8.3M · securities $41.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.4% | 78.7% | 84th |
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% |
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