| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.5% | +1.3% | -6.8 pts |
| Share growth (YoY) | -5.9% | +0.7% | -6.6 pts |
| Loan growth (YoY) | — | -2.4% | — |
| ROA | -1.34% | 0.60% | -1.9 pts |
| ROE | -7.6% | 4.1% | -11.7 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $51K | $42K | $0 | $9K | $-172 | -1.34% | 4.24% | — | 88 |
| Q4 2025 | $53K | $44K | $0 | $9K | $-711 | -1.34% | 0.99% | — | 92 |
| Q3 2025 | $53K | $44K | $0 | $9K | $-776 | -1.94% | 1.30% | — | 92 |
| Q2 2025 | $54K | $45K | $0 | $9K | $-676 | -2.53% | 1.52% | — | 89 |
| Q1 2025 | $54K | $45K | $0 | $9K | $-254 | -1.87% | 1.40% | — | 89 |
| Q4 2024 | $56K | $46K | $0 | $10K | $-3K | -5.88% | 0.81% | — | 91 |
| Q3 2024 | $58K | $48K | $0 | $9K | $-3K | -6.86% | 0.78% | — | 92 |
| Q2 2024 | $59K | $49K | $0 | $10K | $5K | 15.50% | 0.76% | — | 92 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $0 · securities $46K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.34% | 0.60% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -7.6% | 4.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 131.6% | 81.5% | 96th |
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.