| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +1.3% | -0.9 pts |
| Share growth (YoY) | -0.8% | +0.7% | -1.4 pts |
| Loan growth (YoY) | +13.9% | -2.4% | +16.2 pts |
| ROA | -0.23% | 0.60% | -0.8 pts |
| ROE | -1.8% | 4.1% | -5.9 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $84.2M | $70.2M | $40.4M | $10.8M | $-49K | -0.23% | 3.84% | 1.05% | 24,437 |
| Q4 2025 | $83.9M | $70.6M | $35.5M | $10.9M | $43K | 0.05% | 4.04% | 1.09% | 24,584 |
| Q3 2025 | $84.3M | $70.9M | $35.1M | $10.8M | $4K | 0.01% | 3.96% | 1.47% | 24,791 |
| Q2 2025 | $83.9M | $70.6M | $35.3M | $10.8M | $-14K | -0.03% | 3.92% | 1.47% | 24,782 |
| Q1 2025 | $83.8M | $70.8M | $35.5M | $10.8M | $-28K | -0.14% | 3.87% | 1.60% | 24,784 |
| Q4 2024 | $83.5M | $70.4M | $36.0M | $10.8M | $87K | 0.10% | 3.85% | 1.76% | 24,943 |
| Q3 2024 | $84.1M | $71.4M | $36.0M | $10.7M | $-9K | -0.01% | 3.76% | 1.81% | 25,183 |
| Q2 2024 | $84.4M | $71.6M | $35.9M | $10.7M | $594 | 0.00% | 3.68% | 2.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.23% | 0.60% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -1.8% | 4.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 25,099 |
Loan mix (Q1 2026): real estate $27.1M · commercial $0 · consumer $10.3M · securities $40.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.0% | 81.5% | 88th |
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.