| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +1.3% | -1.9 pts |
| Share growth (YoY) | -1.5% | +0.7% | -2.2 pts |
| Loan growth (YoY) | +4.5% | -2.4% | +6.9 pts |
| ROA | -1.39% | 0.60% | -2.0 pts |
| ROE | -12.1% | 4.1% | -16.2 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.3M | $7.4M | $6.3M | $960K | $-29K | -1.39% | 5.55% | 0.15% | 1,186 |
| Q4 2025 | $8.9M | $7.8M | $6.0M | $989K | $96K | 1.07% | 4.65% | 0.07% | 1,180 |
| Q3 2025 | $8.9M | $7.9M | $6.1M | $927K | $34K | 0.51% | 4.56% | 0.68% | 1,182 |
| Q2 2025 | $8.8M | $7.9M | $6.2M | $894K | $436 | 0.01% | 4.37% | 1.72% | 1,213 |
| Q1 2025 | $8.4M | $7.5M | $6.0M | $861K | $7K | 0.35% | 4.47% | 0.36% | 1,091 |
| Q4 2024 | $8.4M | $7.5M | $6.1M | $853K | $42K | 0.50% | 4.62% | 0.91% | 1,080 |
| Q3 2024 | $8.2M | $7.4M | $6.2M | $842K | $31K | 0.50% | 4.70% | 0.72% | 1,088 |
| Q2 2024 | $8.4M | $7.5M | $6.2M | $846K | $34K | 0.82% | 4.49% | 0.55% | 1,080 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.39% | 0.60% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -12.1% | 4.1% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.55% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $983K · commercial $0 · consumer $4.3M · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.7% | 81.5% | 34th |
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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