| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.1 pts |
| Share growth (YoY) | -1.2% | +0.7% | -1.8 pts |
| Loan growth (YoY) | -20.4% | -2.4% | -18.0 pts |
| ROA | -2.08% | 0.60% | -2.7 pts |
| ROE | -7.2% | 4.1% | -11.3 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.4M | $3.1M | $2.0M | $1.3M | $-23K | -2.08% | 4.44% | 3.57% | 530 |
| Q4 2025 | $4.4M | $3.1M | $2.2M | $1.3M | $49K | 1.11% | 4.85% | 8.16% | 537 |
| Q3 2025 | $4.5M | $3.2M | $2.2M | $1.3M | $36K | 1.08% | 4.84% | 8.07% | 584 |
| Q2 2025 | $4.5M | $3.2M | $2.3M | $1.3M | $22K | 0.99% | 4.90% | 8.95% | 603 |
| Q1 2025 | $4.4M | $3.1M | $2.5M | $1.3M | $28K | 2.54% | 4.80% | 8.35% | 612 |
| Q4 2024 | $4.3M | $3.1M | $2.6M | $1.2M | $42K | 0.96% | 5.12% | 5.60% | 612 |
| Q3 2024 | $4.4M | $3.1M | $2.6M | $1.3M | $57K | 1.73% | 5.06% | 5.86% | 612 |
| Q2 2024 | $4.3M | $3.1M | $2.7M | $1.2M | $28K | 1.31% | 5.14% | 9.38% | 610 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.08% | 0.60% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -7.2% | 4.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.8M · securities $203K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.8% | 81.5% | 27th |
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.