| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +1.3% | -4.0 pts |
| Share growth (YoY) | +0.3% | +0.7% | -0.3 pts |
| Loan growth (YoY) | -16.8% | -2.4% | -14.4 pts |
| ROA | -4.36% | 0.60% | -5.0 pts |
| ROE | -31.0% | 4.1% | -35.1 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 | $3.1M | $2.6M | $2.0M | $434K | $-34K | -4.36% | 6.87% | 5.69% | 967 |
| Q4 2025 | $3.0M | $2.6M | $2.1M | $468K | $-80K | -2.63% | 7.32% | 4.54% | 979 |
| Q3 2025 | $3.1M | $2.6M | $2.1M | $509K | $-39K | -1.68% | 7.55% | 4.39% | 982 |
| Q2 2025 | $3.1M | $2.6M | $2.2M | $507K | $-41K | -2.64% | 7.54% | 2.45% | 983 |
| Q1 2025 | $3.2M | $2.6M | $2.4M | $526K | $-22K | -2.73% | 7.11% | 3.09% | 982 |
| Q4 2024 | $3.2M | $2.6M | $2.5M | $548K | $-67K | -2.07% | 7.47% | 2.15% | 997 |
| Q3 2024 | $3.2M | $2.7M | $2.5M | $514K | $-101K | -4.17% | 7.39% | 1.29% | 998 |
| Q2 2024 | $3.3M | $2.8M | $2.5M | $615K | $-67K | -4.05% | 6.97% | 1.69% | 1,011 |
| 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 | -31.0% | 4.1% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.87% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.9M · securities $870K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 130.9% | 81.5% | 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% |
The full ratio pack is part of CharterBench Pro.