| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +1.3% | +1.5 pts |
| Share growth (YoY) | +3.6% | +0.7% | +3.0 pts |
| Loan growth (YoY) | -5.7% | -2.4% | -3.3 pts |
| ROA | -0.64% | 0.60% | -1.2 pts |
| ROE | -7.8% | 4.1% | -12.0 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.5M | $4.1M | $2.6M | $365K | $-7K | -0.64% | 4.30% | 0.00% | 677 |
| Q4 2025 | $4.6M | $4.2M | $2.8M | $373K | $-35K | -0.77% | 4.06% | 0.00% | 685 |
| Q3 2025 | $4.5M | $4.1M | $2.8M | $381K | $-27K | -0.79% | 4.02% | 0.00% | 695 |
| Q2 2025 | $4.8M | $4.4M | $2.8M | $379K | $-29K | -1.19% | 3.63% | 2.57% | 697 |
| Q1 2025 | $4.4M | $4.0M | $2.7M | $395K | $-12K | -1.13% | 3.84% | 0.00% | 705 |
| Q4 2024 | $4.6M | $4.1M | $2.8M | $408K | $-37K | -0.82% | 3.59% | 0.00% | 710 |
| Q3 2024 | $4.6M | $4.2M | $2.7M | $419K | $-26K | -0.76% | 3.43% | 4.15% | 685 |
| Q2 2024 | $5.0M | $4.5M | $2.8M | $423K | $-22K | -0.88% | 3.10% | 3.86% | 722 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.64% | 0.60% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -7.8% | 4.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $821K · commercial $22K · consumer $1.3M · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 113.2% | 81.5% | 92th |
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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