| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.6% | +1.3% | -12.9 pts |
| Share growth (YoY) | -6.1% | +0.7% | -6.8 pts |
| Loan growth (YoY) | -10.3% | -2.4% | -8.0 pts |
| ROA | -4.36% | 0.60% | -5.0 pts |
| ROE | -16.1% | 4.1% | -20.2 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.4M | $1.0M | $1.2M | $383K | $-15K | -4.36% | 3.90% | 1.72% | 211 |
| Q4 2025 | $1.5M | $1.1M | $1.2M | $399K | $3K | 0.18% | 3.41% | 2.67% | 213 |
| Q3 2025 | $1.5M | $1.0M | $1.2M | $405K | $7K | 0.64% | 3.84% | 3.23% | 216 |
| Q2 2025 | $1.5M | $1.0M | $1.2M | $503K | $4K | 0.54% | 3.62% | 1.66% | 213 |
| Q1 2025 | $1.6M | $1.1M | $1.3M | $501K | $3K | 0.67% | 3.58% | 1.48% | 210 |
| Q4 2024 | $1.7M | $1.2M | $1.4M | $499K | $2K | 0.09% | 3.48% | 1.66% | 230 |
| Q3 2024 | $1.7M | $1.1M | $1.3M | $498K | $3K | 0.25% | 3.57% | 4.29% | 228 |
| Q2 2024 | $1.6M | $1.2M | $1.4M | $398K | $3K | 0.36% | 3.96% | 3.52% | 226 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.1M · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.36% | 0.60% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -16.1% | 4.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.3% | 81.5% | 67th |
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.