| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +1.3% | -3.4 pts |
| Share growth (YoY) | -1.4% | +0.7% | -2.1 pts |
| Loan growth (YoY) | -27.1% | -2.4% | -24.7 pts |
| ROA | -2.46% | 0.60% | -3.1 pts |
| ROE | -14.4% | 4.1% | -18.5 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $756K | $623K | $175K | $130K | $-5K | -2.46% | 4.65% | 0.00% | 680 |
| Q4 2025 | $759K | $620K | $204K | $135K | $-13K | -1.67% | 4.50% | 0.00% | 680 |
| Q3 2025 | $760K | $621K | $233K | $136K | $-11K | -1.95% | 4.61% | 0.00% | 680 |
| Q2 2025 | $775K | $637K | $256K | $134K | $-12K | -3.18% | 4.25% | 0.00% | 680 |
| Q1 2025 | $772K | $632K | $240K | $137K | $-2K | -1.13% | 3.90% | 0.00% | 680 |
| Q4 2024 | $756K | $645K | $212K | $110K | $37K | 4.93% | 5.19% | 0.00% | 680 |
| Q3 2024 | $737K | $590K | $183K | $145K | $35K | 6.35% | 5.34% | 0.00% | 680 |
| Q2 2024 | $723K | $598K | $207K | $125K | $15K | 4.07% | 5.52% | 0.00% | 682 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.46% | 0.60% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -14.4% | 4.1% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $175K · securities $400K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 149.7% | 81.5% | 97th |
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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