| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +3.9% | -4.3 pts |
| Share growth (YoY) | -0.2% | +3.3% | -3.5 pts |
| Loan growth (YoY) | +0.4% | +2.9% | -2.5 pts |
| ROA | -1.19% | 0.69% | -1.9 pts |
| ROE | -7.3% | 5.9% | -13.3 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 | $319.4M | $266.6M | $149.6M | $51.7M | $-949K | -1.19% | 3.09% | 0.56% | 22,572 |
| Q4 2025 | $316.5M | $262.5M | $151.5M | $52.7M | $-231K | -0.07% | 3.22% | 0.48% | 22,136 |
| Q3 2025 | $313.9M | $260.5M | $153.0M | $52.3M | $-764K | -0.32% | 3.23% | 0.73% | 22,153 |
| Q2 2025 | $313.6M | $260.1M | $152.1M | $52.6M | $-385K | -0.25% | 3.22% | 0.76% | 21,811 |
| Q1 2025 | $320.7M | $267.1M | $148.9M | $52.7M | $-336K | -0.42% | 3.05% | 0.69% | 21,466 |
| Q4 2024 | $319.2M | $265.4M | $153.8M | $53.0M | $-806K | -0.25% | 3.06% | 0.62% | 21,231 |
| Q3 2024 | $316.4M | $262.1M | $157.9M | $53.6M | $-371K | -0.16% | 3.06% | 0.68% | 21,496 |
| Q2 2024 | $326.6M | $272.8M | $157.8M | $53.3M | $-618K | -0.38% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.19% | 0.69% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -7.3% | 5.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.91% |
| 0.57% |
| 21,562 |
Loan mix (Q1 2026): real estate $78.4M · commercial $0 · consumer $65.6M · securities $94.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 115.4% | 78.7% | 99th |
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.