| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +3.9% | -5.4 pts |
| Share growth (YoY) | -2.4% | +3.3% | -5.7 pts |
| Loan growth (YoY) | +2.6% | +2.9% | -0.3 pts |
| ROA | 0.09% | 0.69% | -0.6 pts |
| ROE | 0.9% | 5.9% | -5.1 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $186.0M | $168.1M | $123.9M | $20.2M | $43K | 0.09% | 3.84% | 1.27% | 12,009 |
| Q4 2025 | $186.5M | $168.6M | $121.9M | $20.2M | $84K | 0.05% | 3.93% | 1.02% | 11,953 |
| Q3 2025 | $184.8M | $167.7M | $122.8M | $20.0M | $-161K | -0.12% | 3.97% | 0.74% | 12,073 |
| Q2 2025 | $189.2M | $172.8M | $121.3M | $19.9M | $-322K | -0.34% | 3.81% | 0.75% | 12,099 |
| Q1 2025 | $188.9M | $172.3M | $120.7M | $19.9M | $-281K | -0.60% | 3.77% | 0.72% | 12,190 |
| Q4 2024 | $186.3M | $169.7M | $119.8M | $21.0M | $204K | 0.11% | 4.05% | 1.27% | 12,249 |
| Q3 2024 | $185.8M | $169.6M | $120.7M | $21.1M | $170K | 0.12% | 4.06% | 0.87% | 12,134 |
| Q2 2024 | $187.5M | $172.5M | $118.4M | $21.1M | $177K | 0.19% | 4.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.09% | 0.69% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 5.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.87% |
| 12,189 |
Loan mix (Q1 2026): real estate $80.6M · commercial $1.1M · consumer $41.4M · securities $34.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.4% | 78.7% | 96th |
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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