| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -37.4% | +1.3% | -38.7 pts |
| Share growth (YoY) | +7.9% | +0.7% | +7.3 pts |
| Loan growth (YoY) | -15.1% | -2.4% | -12.8 pts |
| ROA | -5.86% | 0.60% | -6.5 pts |
| ROE | 9.4% | 4.1% | +5.3 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.7M | $7.2M | $3.5M | $-2.9M | $-68K | -5.86% | 5.17% | 6.93% | 1,225 |
| Q4 2025 | $5.3M | $7.5M | $3.7M | $-2.8M | $-3.6M | -68.13% | 6.33% | 6.85% | 1,225 |
| Q3 2025 | $7.1M | $6.4M | $5.1M | $745K | $21K | 0.40% | 5.06% | 3.53% | 1,255 |
| Q2 2025 | $7.2M | $6.4M | $4.8M | $769K | $12K | 0.35% | 5.07% | 0.97% | 1,276 |
| Q1 2025 | $7.4M | $6.7M | $4.1M | $745K | $-12K | -0.64% | 4.99% | 2.27% | 1,284 |
| Q4 2024 | $7.0M | $6.3M | $3.8M | $757K | $-60K | -0.85% | 5.42% | 0.55% | 1,285 |
| Q3 2024 | $7.3M | $6.6M | $3.8M | $767K | $-50K | -0.90% | 5.23% | 2.36% | 1,292 |
| Q2 2024 | $7.4M | $6.6M | $3.9M | $811K | $-6K | -0.16% | 5.10% | 2.58% | 1,304 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -5.86% | 0.60% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 4.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $9K · commercial $0 · consumer $3.3M · securities $848K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 165.6% | 81.5% | 98th |
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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