| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -17.2% | +1.3% | -18.5 pts |
| Share growth (YoY) | -15.9% | +0.7% | -16.5 pts |
| Loan growth (YoY) | -27.1% | -2.4% | -24.8 pts |
| ROA | -8.04% | 0.60% | -8.6 pts |
| ROE | -59.1% | 4.1% | -63.2 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.7M | $3.1M | $1.2M | $498K | $-74K | -8.04% | 4.54% | 2.95% | 585 |
| Q4 2025 | $3.9M | $3.3M | $1.4M | $572K | $-126K | -3.22% | 5.19% | 1.58% | 615 |
| Q3 2025 | $3.9M | $3.2M | $1.4M | $618K | $-81K | -2.76% | 5.23% | 0.50% | 610 |
| Q2 2025 | $3.9M | $3.1M | $1.5M | $635K | $-63K | -3.25% | 4.89% | 2.83% | 604 |
| Q1 2025 | $4.4M | $3.7M | $1.6M | $678K | $-20K | -1.80% | 4.86% | 0.06% | 616 |
| Q4 2024 | $4.5M | $3.7M | $1.6M | $698K | $-33K | -0.73% | 4.70% | 0.52% | 641 |
| Q3 2024 | $4.5M | $3.7M | $1.6M | $699K | $-35K | -1.05% | 4.51% | 2.82% | 633 |
| Q2 2024 | $3.9M | $3.2M | $1.5M | $703K | $-28K | -1.43% | 4.93% | 0.05% | 617 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -8.04% | 0.60% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -59.1% | 4.1% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.1M · securities $718K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 261.6% | 81.5% | 99th |
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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