| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +1.3% | -3.6 pts |
| Share growth (YoY) | -3.8% | +0.7% | -4.5 pts |
| Loan growth (YoY) | +3.0% | -2.4% | +5.4 pts |
| ROA | -0.27% | 0.60% | -0.9 pts |
| ROE | -1.2% | 4.1% | -5.3 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.2M | $4.0M | $2.2M | $1.2M | $-4K | -0.27% | 2.73% | 1.73% | 658 |
| Q4 2025 | $5.1M | $3.9M | $2.1M | $1.2M | $53K | 1.05% | 2.92% | 3.69% | 656 |
| Q3 2025 | $5.1M | $3.9M | $2.2M | $1.2M | $47K | 1.21% | 2.90% | 5.93% | 670 |
| Q2 2025 | $5.3M | $4.1M | $2.1M | $1.2M | $41K | 1.54% | 2.86% | 5.28% | 684 |
| Q1 2025 | $5.3M | $4.1M | $2.2M | $1.1M | $21K | 1.60% | 3.15% | 3.57% | 684 |
| Q4 2024 | $5.3M | $4.1M | $2.2M | $1.1M | $29K | 0.55% | 3.03% | 1.45% | 699 |
| Q3 2024 | $5.4M | $4.2M | $2.2M | $1.1M | $15K | 0.38% | 2.92% | 1.21% | 726 |
| Q2 2024 | $5.6M | $4.5M | $2.3M | $1.1M | $6K | 0.23% | 2.69% | 1.43% | 737 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.27% | 0.60% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -1.2% | 4.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.73% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.0M · securities $2.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 109.9% | 81.5% | 91th |
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% |
The full ratio pack is part of CharterBench Pro.