| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +3.9% | -5.6 pts |
| Share growth (YoY) | -2.5% | +3.3% | -5.8 pts |
| Loan growth (YoY) | -9.8% | +2.9% | -12.7 pts |
| ROA | -0.31% | 0.69% | -1.0 pts |
| ROE | -1.6% | 5.9% | -7.5 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $121.1M | $96.4M | $69.3M | $24.0M | $-95K | -0.31% | 3.75% | 0.41% | 7,613 |
| Q4 2025 | $120.1M | $95.2M | $72.1M | $24.1M | $683K | 0.57% | 3.91% | 0.32% | 7,758 |
| Q3 2025 | $120.6M | $96.0M | $77.3M | $23.9M | $527K | 0.58% | 3.88% | 0.23% | 7,890 |
| Q2 2025 | $121.1M | $96.4M | $77.6M | $23.7M | $322K | 0.53% | 3.84% | 0.16% | 8,086 |
| Q1 2025 | $123.1M | $98.9M | $76.8M | $23.6M | $212K | 0.69% | 3.80% | 0.28% | 8,135 |
| Q4 2024 | $121.5M | $97.5M | $78.7M | $23.4M | $1.1M | 0.87% | 3.84% | 0.24% | 8,219 |
| Q3 2024 | $122.8M | $98.8M | $78.5M | $23.2M | $822K | 0.89% | 3.80% | 0.16% | 8,229 |
| Q2 2024 | $124.5M | $101.4M | $81.7M | $22.8M | $332K | 0.53% | 3.65% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.31% | 0.69% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -1.6% | 5.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.37% |
| 8,541 |
Loan mix (Q1 2026): real estate $15.9M · commercial $362K · consumer $52.9M · securities $29.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.0% | 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% |
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