| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.6% | +3.9% | -11.5 pts |
| Share growth (YoY) | -9.0% | +3.3% | -12.3 pts |
| Loan growth (YoY) | -8.2% | +2.9% | -11.1 pts |
| ROA | -0.13% | 0.69% | -0.8 pts |
| ROE | -0.9% | 5.9% | -6.9 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $248.8M | $212.5M | $132.3M | $34.7M | $-81K | -0.13% | 3.89% | 1.12% | 19,735 |
| Q4 2025 | $242.2M | $205.9M | $136.1M | $34.8M | $1.7M | 0.70% | 3.97% | 1.76% | 19,955 |
| Q3 2025 | $243.6M | $207.2M | $140.7M | $34.6M | $1.5M | 0.81% | 3.86% | 1.06% | 20,256 |
| Q2 2025 | $257.9M | $222.4M | $142.1M | $33.7M | $648K | 0.50% | 3.53% | 1.21% | 20,351 |
| Q1 2025 | $269.2M | $233.5M | $144.2M | $33.5M | $407K | 0.60% | 3.24% | 1.44% | 20,359 |
| Q4 2024 | $257.9M | $222.9M | $147.2M | $33.1M | $1.8M | 0.68% | 3.38% | 1.40% | 20,637 |
| Q3 2024 | $251.2M | $215.9M | $151.5M | $33.4M | $1.8M | 0.95% | 3.45% | 1.53% | 21,070 |
| Q2 2024 | $253.4M | $218.6M | $153.9M | $32.8M | $1.2M | 0.91% | 3.36% |
| Ratio | The Family Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.13% | 0.69% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -0.9% | 5.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.53% |
| 21,207 |
Loan mix (Q1 2026): real estate $62.8M · commercial $2.7M · consumer $60.1M · securities $79.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.9% | 78.7% | 69th |
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 | The Family Credit Union | 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 | The Family Credit Union | 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 | The Family Credit Union | 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 | The Family Credit Union | 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.