| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | +0.5% | +0.7% | -0.2 pts |
| Loan growth (YoY) | -20.7% | -2.4% | -18.3 pts |
| ROA | -2.08% | 0.60% | -2.7 pts |
| ROE | -25.4% | 4.1% | -29.5 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 | $5.1M | $4.7M | $2.4M | $415K | $-26K | -2.08% | 5.73% | 0.00% | 664 |
| Q4 2025 | $4.9M | $4.4M | $2.7M | $442K | $-4K | -0.08% | 6.45% | 2.08% | 664 |
| Q3 2025 | $5.1M | $4.7M | $2.8M | $448K | $-89 | -0.00% | 6.20% | 1.99% | 667 |
| Q2 2025 | $5.1M | $4.6M | $2.8M | $445K | $-118 | -0.00% | 6.02% | 3.09% | 671 |
| Q1 2025 | $5.1M | $4.6M | $3.0M | $450K | $5K | 0.39% | 6.10% | 3.05% | 677 |
| Q4 2024 | $5.0M | $4.5M | $3.1M | $445K | $18K | 0.36% | 6.53% | 1.48% | 686 |
| Q3 2024 | $5.0M | $4.6M | $3.2M | $444K | $16K | 0.44% | 6.55% | 1.00% | 679 |
| Q2 2024 | $5.2M | $4.7M | $3.3M | $442K | $17K | 0.65% | 6.25% | 0.93% | 887 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.08% | 0.60% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -25.4% | 4.1% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.73% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.9% | 81.5% | 80th |
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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