| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +3.9% | +6.0 pts |
| Share growth (YoY) | +9.7% | +3.3% | +6.4 pts |
| Loan growth (YoY) | +2.3% | +2.9% | -0.6 pts |
| ROA | -0.97% | 0.69% | -1.7 pts |
| ROE | -10.6% | 5.9% | -16.5 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 | $148.1M | $134.1M | $96.7M | $13.6M | $-359K | -0.97% | 4.75% | 0.26% | 17,602 |
| Q4 2025 | $139.4M | $127.7M | $97.4M | $14.0M | $834K | 0.60% | 4.87% | 0.46% | 17,300 |
| Q3 2025 | $137.7M | $124.7M | $97.1M | $14.0M | $811K | 0.78% | 4.84% | 0.24% | 17,175 |
| Q2 2025 | $135.2M | $122.5M | $96.4M | $13.7M | $547K | 0.81% | 4.81% | 0.29% | 16,925 |
| Q1 2025 | $134.8M | $122.2M | $94.5M | $13.5M | $309K | 0.92% | 4.65% | 0.32% | 16,584 |
| Q4 2024 | $137.7M | $117.5M | $93.6M | $13.1M | $1.2M | 0.84% | 4.31% | 0.28% | 16,322 |
| Q3 2024 | $144.2M | $112.3M | $92.4M | $12.9M | $889K | 0.82% | 4.04% | 0.22% | 16,206 |
| Q2 2024 | $138.4M | $107.0M | $90.7M | $12.6M | $581K | 0.84% | 4.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.97% | 0.69% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -10.6% | 5.9% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.75% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.22% |
| 16,054 |
Loan mix (Q1 2026): real estate $21.4M · commercial $0 · consumer $65.4M · securities $17.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 112.7% | 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.