| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +1.3% | -4.9 pts |
| Share growth (YoY) | -4.7% | +0.7% | -5.3 pts |
| Loan growth (YoY) | +1.7% | -2.4% | +4.0 pts |
| ROA | -0.01% | 0.60% | -0.6 pts |
| ROE | -0.0% | 4.1% | -4.1 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.0M | $830K | $189K | $208K | $-13 | -0.01% | 3.61% | 0.00% | 201 |
| Q4 2025 | $1.1M | $869K | $200K | $208K | $3K | 0.26% | 3.55% | 0.29% | 202 |
| Q3 2025 | $1.1M | $858K | $137K | $206K | $1K | 0.15% | 3.52% | 0.59% | 203 |
| Q2 2025 | $1.1M | $895K | $143K | $206K | $1K | 0.27% | 3.55% | 0.00% | 206 |
| Q1 2025 | $1.1M | $871K | $186K | $206K | $1K | 0.52% | 3.69% | 0.00% | 206 |
| Q4 2024 | $1.1M | $909K | $235K | $205K | $1K | 0.13% | 3.71% | 0.00% | 210 |
| Q3 2024 | $1.1M | $900K | $188K | $206K | $3K | 0.30% | 3.74% | 0.00% | 213 |
| Q2 2024 | $1.1M | $910K | $216K | $206K | $3K | 0.55% | 3.81% | 0.25% | 218 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $189K · securities $824K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.01% | 0.60% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | -0.0% | 4.1% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.1% | 81.5% | 85th |
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.