| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +3.9% | -4.1 pts |
| Share growth (YoY) | -0.9% | +3.3% | -4.2 pts |
| Loan growth (YoY) | -0.0% | +2.9% | -3.0 pts |
| ROA | 0.07% | 0.69% | -0.6 pts |
| ROE | 0.7% | 5.9% | -5.2 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 | $162.1M | $146.8M | $123.6M | $14.6M | $27K | 0.07% | 3.95% | 0.34% | 12,341 |
| Q4 2025 | $159.3M | $144.1M | $122.6M | $14.6M | $251K | 0.16% | 4.03% | 0.51% | 12,404 |
| Q3 2025 | $166.8M | $143.2M | $135.2M | $14.4M | $66K | 0.05% | 3.92% | 0.29% | 12,515 |
| Q2 2025 | $162.9M | $145.6M | $130.0M | $14.4M | $74K | 0.09% | 3.98% | 0.28% | 12,480 |
| Q1 2025 | $162.4M | $148.1M | $123.6M | $14.4M | $22K | 0.05% | 3.87% | 0.36% | 12,447 |
| Q4 2024 | $169.9M | $155.7M | $124.4M | $14.4M | $151K | 0.09% | 3.40% | 0.28% | 12,520 |
| Q3 2024 | $168.0M | $153.8M | $126.1M | $14.3M | $81K | 0.06% | 3.38% | 0.24% | 12,601 |
| Q2 2024 | $168.7M | $154.1M | $124.2M | $14.3M | $80K | 0.09% | 3.31% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 0.69% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 5.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.28% |
| 12,627 |
Loan mix (Q1 2026): real estate $39.4M · commercial $0 · consumer $77.7M · securities $11.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.3% | 78.7% | 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.