| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +3.9% | -1.4 pts |
| Share growth (YoY) | -0.4% | +3.3% | -3.7 pts |
| Loan growth (YoY) | +0.1% | +2.9% | -2.8 pts |
| ROA | -3.54% | 0.69% | -4.2 pts |
| ROE | -8.7% | 5.9% | -14.6 pts |
ROA ranks in the 0th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $125.6M | $73.4M | $62.6M | $51.4M | $-1.1M | -3.54% | 2.66% | 0.83% | 5,177 |
| Q4 2025 | $125.9M | $72.6M | $62.9M | $52.5M | $4.3M | 3.42% | 2.41% | 0.60% | 5,188 |
| Q3 2025 | $124.4M | $72.2M | $63.0M | $51.4M | $3.2M | 3.42% | 2.38% | 0.19% | 5,303 |
| Q2 2025 | $126.3M | $75.5M | $61.9M | $49.9M | $1.7M | 2.69% | 2.30% | 0.20% | 5,340 |
| Q1 2025 | $122.4M | $73.7M | $62.5M | $47.9M | $-302K | -0.99% | 2.31% | 0.07% | 5,322 |
| Q4 2024 | $118.0M | $69.1M | $62.5M | $48.2M | $4.6M | 3.88% | 2.23% | 0.12% | 5,284 |
| Q3 2024 | $114.4M | $67.1M | $62.8M | $46.6M | $2.9M | 3.41% | 2.26% | 0.14% | 5,339 |
| Q2 2024 | $109.9M | $64.1M | $63.6M | $45.1M | $1.5M | 2.67% | 2.36% |
| Ratio | Brotherhood Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.54% | 0.69% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -8.7% | 5.9% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.66% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.22% |
| 5,306 |
Loan mix (Q1 2026): real estate $56.0M · commercial $0 · consumer $4.7M · securities $50.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | — | 78.7% | — |
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 | Brotherhood Credit Union | 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 | Brotherhood Credit Union | 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 | Brotherhood Credit Union | 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 | Brotherhood Credit Union | 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.