| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.8% | +1.3% | -11.1 pts |
| Share growth (YoY) | -14.7% | +0.7% | -15.4 pts |
| Loan growth (YoY) | -16.6% | -2.4% | -14.2 pts |
| ROA | -5.22% | 0.60% | -5.8 pts |
| ROE | -21.2% | 4.1% | -25.3 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $990K | $745K | $615K | $244K | $-13K | -5.22% | 4.15% | 0.70% | 144 |
| Q4 2025 | $1.1M | $831K | $636K | $234K | $16K | 1.45% | 4.58% | 0.67% | 154 |
| Q3 2025 | $1.1M | $875K | $666K | $233K | $14K | 1.65% | 4.64% | 0.64% | 146 |
| Q2 2025 | $1.1M | $901K | $698K | $230K | $12K | 2.04% | 5.00% | 0.89% | 146 |
| Q1 2025 | $1.1M | $874K | $737K | $220K | $2K | 0.79% | 3.63% | 0.00% | 1 |
| Q4 2024 | $1.1M | $889K | $731K | $219K | $7K | 0.66% | 3.46% | 0.00% | 1 |
| Q3 2024 | $1.1M | $894K | $746K | $216K | $4K | 0.53% | 3.42% | 0.00% | 1 |
| Q2 2024 | $1.2M | $938K | $681K | $214K | $226 | 0.04% | 3.12% | 0.00% | 1 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $600K · securities $149K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -5.22% | 0.60% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -21.2% | 4.1% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.6% | 81.5% | 50th |
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.