| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +1.3% | -4.7 pts |
| Share growth (YoY) | -4.1% | +0.7% | -4.8 pts |
| Loan growth (YoY) | -4.9% | -2.4% | -2.5 pts |
| ROA | -0.48% | 0.60% | -1.1 pts |
| ROE | -2.7% | 4.1% | -6.8 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.1M | $6.5M | $3.0M | $1.4M | $-10K | -0.48% | 2.84% | 5.13% | 1,628 |
| Q4 2025 | $7.9M | $6.2M | $3.1M | $1.6M | $100K | 1.27% | 3.74% | 6.25% | 1,619 |
| Q3 2025 | $8.3M | $6.7M | $3.2M | $1.6M | $56K | 0.90% | 2.77% | 4.98% | 1,715 |
| Q2 2025 | $8.3M | $6.7M | $3.2M | $1.6M | $40K | 0.95% | 3.01% | 4.02% | 1,701 |
| Q1 2025 | $8.4M | $6.7M | $3.2M | $1.6M | $18K | 0.84% | 3.57% | 3.12% | 1,685 |
| Q4 2024 | $8.2M | $6.7M | $3.3M | $1.5M | $64K | 0.78% | 3.60% | 1.89% | 1,613 |
| Q3 2024 | $8.4M | $6.7M | $3.0M | $1.6M | $61K | 0.98% | 4.12% | 2.88% | 1,654 |
| Q2 2024 | $8.4M | $6.8M | $3.2M | $1.6M | $53K | 1.25% | 4.15% | 2.34% | 1,643 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.48% | 0.60% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -2.7% | 4.1% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.84% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.0M · securities $3.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.4% | 81.5% | 88th |
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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