| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +3.9% | -0.2 pts |
| Share growth (YoY) | +2.0% | +3.3% | -1.3 pts |
| Loan growth (YoY) | -9.5% | +2.9% | -12.4 pts |
| ROA | -1.24% | 0.69% | -1.9 pts |
| ROE | -14.2% | 5.9% | -20.1 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $121.2M | $107.8M | $52.3M | $10.6M | $-375K | -1.24% | 3.46% | 1.10% | 6,196 |
| Q4 2025 | $119.8M | $106.3M | $53.9M | $10.9M | $310K | 0.26% | 3.62% | 1.53% | 6,177 |
| Q3 2025 | $119.2M | $105.5M | $54.6M | $11.1M | $395K | 0.44% | 3.66% | 0.68% | 6,147 |
| Q2 2025 | $117.3M | $105.8M | $55.5M | $10.9M | $163K | 0.28% | 3.63% | 0.66% | 6,077 |
| Q1 2025 | $116.9M | $105.7M | $57.8M | $10.8M | $85K | 0.29% | 3.48% | 0.67% | 6,009 |
| Q4 2024 | $115.5M | $104.1M | $59.6M | $10.7M | $-178K | -0.15% | 3.63% | 0.55% | 6,040 |
| Q3 2024 | $111.1M | $99.8M | $61.8M | $10.9M | $-38K | -0.05% | 3.79% | 0.51% | 6,033 |
| Q2 2024 | $110.4M | $99.3M | $63.9M | $10.7M | $-202K | -0.37% | 3.84% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.24% | 0.69% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -14.2% | 5.9% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.36% |
| 5,980 |
Loan mix (Q1 2026): real estate $15.0M · commercial $758K · consumer $35.2M · securities $18.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.7% | 78.7% | 96th |
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.