| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +1.3% | -5.8 pts |
| Share growth (YoY) | +264507.3% | +0.7% | +264506.6 pts |
| Loan growth (YoY) | — | -2.4% | — |
| ROA | -54.33% | 0.60% | -54.9 pts |
| ROE | -63.5% | 4.1% | -67.6 pts |
ROA ranks in the 0th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.0M | $146K | $413 | $870K | $-138K | -54.33% | 2.63% | 0.00% | 77 |
| Q4 2025 | $1.0M | $30K | $0 | $1.0M | $-77K | -7.36% | 2.87% | — | 80 |
| Q3 2025 | $1.1M | $19K | $90 | $1.1M | $19K | 2.25% | 2.43% | 0.00% | 66 |
| Q2 2025 | $1.2M | $49 | $5 | $1.2M | $110K | 18.20% | 2.12% | 0.00% | 29 |
| Q1 2025 | $1.1M | $55 | $0 | $1.0M | $-37K | -14.04% | 1.91% | — | 5 |
| Q4 2024 | $1.1M | $76 | $0 | $1.1M | $1.1M | 99.21% | 0.75% | — | 5 |
| Q3 2024 | $1.2M | $0 | $0 | $1.2M | $1.2M | 134.40% | 0.53% | — | 1 |
| Q2 2024 | $1.2M | $0 | $0 | $1.2M | $1.2M | 199.44% | 0.16% | — | 1 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $413 · securities $30K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -54.33% | 0.60% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -63.5% | 4.1% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.63% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 2108.2% | 81.5% | 100th |
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.