| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +1.3% | +1.5 pts |
| Share growth (YoY) | +4.3% | +0.7% | +3.6 pts |
| Loan growth (YoY) | +4.5% | -2.4% | +6.9 pts |
| ROA | -1.61% | 0.60% | -2.2 pts |
| ROE | -18.2% | 4.1% | -22.3 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.8M | $1.6M | $1.0M | $155K | $-7K | -1.61% | 3.35% | 0.14% | 391 |
| Q4 2025 | $1.8M | $1.6M | $924K | $162K | $-13K | -0.72% | 3.24% | 0.00% | 390 |
| Q3 2025 | $1.8M | $1.6M | $986K | $168K | $-7K | -0.53% | 3.31% | 0.00% | 390 |
| Q2 2025 | $1.8M | $1.6M | $1.0M | $171K | $-4K | -0.50% | 3.32% | 0.00% | 391 |
| Q1 2025 | $1.7M | $1.5M | $996K | $172K | $-3K | -0.68% | 3.55% | 0.00% | 385 |
| Q4 2024 | $1.5M | $1.3M | $1.1M | $175K | $11K | 0.72% | 5.38% | 0.00% | 391 |
| Q3 2024 | $1.5M | $1.3M | $1.2M | $174K | $10K | 0.86% | 5.47% | 0.00% | 398 |
| Q2 2024 | $1.6M | $1.4M | $1.3M | $173K | $8K | 1.03% | 5.08% | 0.00% | 400 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.61% | 0.60% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -18.2% | 4.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.0M · securities $250K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 138.5% | 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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