| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.9% | +1.3% | -6.2 pts |
| Share growth (YoY) | -5.8% | +0.7% | -6.4 pts |
| Loan growth (YoY) | -13.9% | -2.4% | -11.6 pts |
| ROA | -2.06% | 0.60% | -2.7 pts |
| ROE | -14.3% | 4.1% | -18.4 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.1M | $8.6M | $6.5M | $1.5M | $-52K | -2.06% | 4.40% | 3.62% | 1,291 |
| Q4 2025 | $9.9M | $8.4M | $6.7M | $1.4M | $86K | 0.87% | 3.83% | 1.04% | 1,287 |
| Q3 2025 | $9.9M | $8.4M | $6.9M | $1.5M | $123K | 1.65% | 3.90% | 1.37% | 1,286 |
| Q2 2025 | $10.1M | $8.6M | $7.1M | $1.4M | $68K | 1.35% | 3.84% | 0.79% | 1,296 |
| Q1 2025 | $10.7M | $9.1M | $7.5M | $1.4M | $48K | 1.81% | 3.70% | 2.78% | 1,290 |
| Q4 2024 | $10.5M | $9.0M | $7.7M | $1.3M | $-59K | -0.56% | 2.50% | 1.35% | 1,299 |
| Q3 2024 | $10.6M | $9.1M | $7.8M | $1.4M | $-21K | -0.26% | 2.85% | 1.93% | 1,301 |
| Q2 2024 | $10.6M | $9.1M | $7.9M | $1.4M | $37K | 0.69% | 3.00% | 0.66% | 1,306 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.06% | 0.60% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -14.3% | 4.1% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.5M · securities $2.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.0% | 81.5% | 29th |
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.