| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.6% | +1.3% | -6.9 pts |
| Share growth (YoY) | -4.8% | +0.7% | -5.4 pts |
| Loan growth (YoY) | -4.7% | -2.4% | -2.3 pts |
| ROA | -1.87% | 0.60% | -2.5 pts |
| ROE | -22.6% | 4.1% | -26.7 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $71.8M | $65.9M | $48.6M | $5.9M | $-335K | -1.87% | 3.39% | 0.13% | 5,305 |
| Q4 2025 | $71.2M | $64.8M | $49.7M | $6.3M | $-700K | -0.98% | 3.57% | 1.35% | 5,287 |
| Q3 2025 | $73.2M | $66.3M | $50.5M | $6.6M | $-423K | -0.77% | 3.46% | 1.52% | 5,278 |
| Q2 2025 | $74.3M | $67.5M | $50.5M | $6.7M | $-309K | -0.83% | 3.35% | 1.01% | 5,709 |
| Q1 2025 | $76.1M | $69.2M | $50.9M | $6.9M | $-117K | -0.62% | 3.13% | 0.72% | 5,806 |
| Q4 2024 | $74.0M | $66.6M | $50.1M | $7.0M | $-112K | -0.15% | 3.44% | 0.97% | 5,778 |
| Q3 2024 | $73.9M | $66.6M | $50.7M | $7.2M | $43K | 0.08% | 3.46% | 0.84% | 5,760 |
| Q2 2024 | $75.4M | $68.1M | $51.0M | $7.3M | $66K | 0.18% | 3.38% | 0.84% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.87% | 0.60% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -22.6% | 4.1% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,714 |
Loan mix (Q1 2026): real estate $29.7M · commercial $0 · consumer $18.5M · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 120.2% | 81.5% | 94th |
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.