| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -12.8% | +1.3% | -14.1 pts |
| Share growth (YoY) | -18.3% | +0.7% | -18.9 pts |
| Loan growth (YoY) | -12.3% | -2.4% | -9.9 pts |
| ROA | 0.07% | 0.60% | -0.5 pts |
| ROE | 0.3% | 4.1% | -3.8 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $880K | $637K | $394K | $241K | $164 | 0.07% | 5.49% | 3.09% | 177 |
| Q4 2025 | $965K | $722K | $408K | $241K | $15K | 1.58% | 7.09% | 3.48% | 184 |
| Q3 2025 | $974K | $739K | $419K | $233K | $8K | 1.06% | 6.16% | 4.11% | 186 |
| Q2 2025 | $1.0M | $771K | $429K | $230K | $5K | 0.99% | 5.95% | 7.31% | 169 |
| Q1 2025 | $1.0M | $780K | $449K | $228K | $1K | 0.52% | 5.88% | 9.81% | 201 |
| Q4 2024 | $1.0M | $775K | $468K | $225K | $6K | 0.56% | 5.96% | 11.31% | 220 |
| Q3 2024 | $1.0M | $798K | $477K | $223K | $3K | 0.40% | 5.72% | 12.09% | 243 |
| Q2 2024 | $1.0M | $789K | $475K | $222K | $2K | 0.40% | 5.60% | 9.58% | 242 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $394K · securities $396K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 0.60% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 4.1% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.49% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.7% | 81.5% | 83th |
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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