| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.5% | +1.3% | -12.8 pts |
| Share growth (YoY) | -10.2% | +0.7% | -10.8 pts |
| Loan growth (YoY) | -15.1% | -2.4% | -12.7 pts |
| ROA | -3.00% | 0.60% | -3.6 pts |
| ROE | -23.3% | 4.1% | -27.4 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.9M | $13.1M | $6.3M | $1.9M | $-112K | -3.00% | 4.03% | 1.91% | 1,750 |
| Q4 2025 | $15.7M | $13.6M | $6.7M | $2.4M | $-303K | -1.92% | 3.86% | 1.10% | 1,543 |
| Q3 2025 | $16.5M | $14.2M | $6.8M | $2.5M | $-218K | -1.76% | 3.59% | 1.02% | 1,546 |
| Q2 2025 | $16.5M | $14.3M | $7.2M | $2.6M | $-86K | -1.04% | 3.62% | 1.66% | 1,542 |
| Q1 2025 | $16.8M | $14.6M | $7.4M | $2.7M | $-36K | -0.85% | 3.53% | 1.19% | 1,255 |
| Q4 2024 | $16.8M | $14.6M | $7.1M | $2.7M | $-137K | -0.82% | 3.50% | 1.64% | 1,588 |
| Q3 2024 | $17.7M | $15.4M | $7.4M | $2.8M | $-72K | -0.54% | 3.27% | 0.35% | 1,604 |
| Q2 2024 | $17.8M | $15.7M | $7.3M | $2.8M | $-78K | -0.88% | 3.29% | 0.54% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.00% | 0.60% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -23.3% | 4.1% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,698 |
Loan mix (Q1 2026): real estate $3.5M · commercial $0 · consumer $2.5M · securities $7.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 170.8% | 81.5% | 98th |
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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