| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +1.3% | -4.7 pts |
| Share growth (YoY) | -4.5% | +0.7% | -5.1 pts |
| Loan growth (YoY) | -6.5% | -2.4% | -4.1 pts |
| ROA | -1.84% | 0.60% | -2.4 pts |
| ROE | -5.0% | 4.1% | -9.1 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $458K | $288K | $328K | $169K | $-2K | -1.84% | 4.68% | 1.01% | 266 |
| Q4 2025 | $455K | $284K | $302K | $171K | $-4K | -0.86% | 5.25% | 1.14% | 246 |
| Q3 2025 | $472K | $297K | $352K | $172K | $-3K | -0.83% | 5.27% | 0.00% | 243 |
| Q2 2025 | $480K | $306K | $325K | $172K | $-3K | -1.09% | 4.82% | 0.87% | 247 |
| Q1 2025 | $474K | $301K | $351K | $172K | $1K | 1.04% | 4.59% | 1.10% | 250 |
| Q4 2024 | $484K | $310K | $302K | $174K | $889 | 0.18% | 5.47% | 0.00% | 247 |
| Q3 2024 | $487K | $305K | $336K | $173K | $-1K | -0.29% | 5.65% | 1.83% | 251 |
| Q2 2024 | $482K | $299K | $364K | $175K | $6K | 2.39% | 5.92% | 1.14% | 253 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.84% | 0.60% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -5.0% | 4.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.68% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $312K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 139.2% | 81.5% | 97th |
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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