| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +3.9% | -6.3 pts |
| Share growth (YoY) | -3.2% | +3.3% | -6.5 pts |
| Loan growth (YoY) | -3.5% | +2.9% | -6.4 pts |
| ROA | -1.18% | 0.69% | -1.9 pts |
| ROE | -12.8% | 5.9% | -18.8 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 | $155.5M | $141.2M | $104.2M | $14.3M | $-457K | -1.18% | 3.95% | 3.87% | 8,546 |
| Q4 2025 | $156.4M | $141.5M | $105.1M | $15.8M | $-370K | -0.24% | 4.17% | 3.03% | 8,532 |
| Q3 2025 | $152.6M | $138.8M | $105.5M | $15.7M | $-472K | -0.41% | 3.47% | 1.48% | 8,603 |
| Q2 2025 | $157.8M | $144.4M | $107.4M | $16.0M | $-218K | -0.28% | 3.29% | 1.65% | 8,720 |
| Q1 2025 | $159.2M | $145.8M | $108.0M | $16.2M | $4K | 0.01% | 3.17% | 2.01% | 8,692 |
| Q4 2024 | $163.2M | $150.2M | $110.1M | $16.2M | $245K | 0.15% | 3.25% | 0.83% | 8,672 |
| Q3 2024 | $169.7M | $155.8M | $111.3M | $16.2M | $193K | 0.15% | 3.14% | 1.78% | 8,742 |
| Q2 2024 | $163.8M | $145.9M | $112.3M | $16.1M | $159K | 0.19% | 3.30% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.18% | 0.69% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -12.8% | 5.9% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.51% |
| 8,719 |
Loan mix (Q1 2026): real estate $51.5M · commercial $894K · consumer $15.0M · securities $15.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.6% | 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.