| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +1.3% | -0.1 pts |
| Share growth (YoY) | +0.9% | +0.7% | +0.3 pts |
| Loan growth (YoY) | +1.1% | -2.4% | +3.5 pts |
| ROA | -0.61% | 0.60% | -1.2 pts |
| ROE | -7.0% | 4.1% | -11.1 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $87.7M | $80.3M | $41.3M | $7.7M | $-133K | -0.61% | 3.53% | 0.39% | 8,080 |
| Q4 2025 | $83.6M | $76.4M | $41.5M | $7.8M | $-192K | -0.23% | 3.98% | 0.43% | 8,124 |
| Q3 2025 | $81.7M | $74.0M | $42.1M | $7.8M | $-180K | -0.29% | 4.02% | 0.46% | 8,110 |
| Q2 2025 | $85.7M | $78.6M | $39.6M | $7.9M | $-135K | -0.32% | 3.80% | 0.99% | 8,171 |
| Q1 2025 | $86.6M | $79.6M | $40.8M | $7.9M | $-129K | -0.59% | 3.70% | 0.56% | 8,268 |
| Q4 2024 | $84.1M | $77.4M | $43.1M | $8.0M | $210K | 0.25% | 3.87% | 0.80% | 8,373 |
| Q3 2024 | $83.7M | $76.6M | $44.1M | $8.1M | $266K | 0.42% | 3.79% | 0.67% | 8,432 |
| Q2 2024 | $83.0M | $76.8M | $43.9M | $7.9M | $120K | 0.29% | 3.73% | 0.54% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.61% | 0.60% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -7.0% | 4.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,445 |
Loan mix (Q1 2026): real estate $11.0M · commercial $9.0M · consumer $18.5M · securities $33.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.9% | 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% |
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