| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.9% | +1.3% | -11.2 pts |
| Share growth (YoY) | -13.3% | +0.7% | -13.9 pts |
| Loan growth (YoY) | -17.8% | -2.4% | -15.5 pts |
| ROA | -0.71% | 0.60% | -1.3 pts |
| ROE | -3.3% | 4.1% | -7.4 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.0M | $2.4M | $1.8M | $650K | $-5K | -0.71% | 5.46% | 3.01% | 901 |
| Q4 2025 | $3.1M | $2.4M | $1.9M | $655K | $53K | 1.72% | 6.71% | 2.81% | 914 |
| Q3 2025 | $3.2M | $2.5M | $2.0M | $649K | $47K | 1.96% | 6.77% | 1.17% | 923 |
| Q2 2025 | $3.2M | $2.5M | $2.1M | $624K | $22K | 1.37% | 6.87% | 0.10% | 936 |
| Q1 2025 | $3.4M | $2.7M | $2.2M | $613K | $10K | 1.24% | 6.65% | 0.23% | 940 |
| Q4 2024 | $3.2M | $2.6M | $2.5M | $603K | $34K | 1.06% | 8.00% | 0.95% | 954 |
| Q3 2024 | $3.2M | $2.5M | $2.6M | $598K | $29K | 1.22% | 8.18% | 0.02% | 971 |
| Q2 2024 | $3.2M | $2.6M | $2.5M | $595K | $26K | 1.64% | 7.99% | 0.93% | 992 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.71% | 0.60% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -3.3% | 4.1% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.46% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.6M · securities $241K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.9% | 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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