| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -17.9% | +1.3% | -19.2 pts |
| Share growth (YoY) | -20.9% | +0.7% | -21.6 pts |
| Loan growth (YoY) | -50.7% | -2.4% | -48.4 pts |
| ROA | -3.31% | 0.60% | -3.9 pts |
| ROE | -14.5% | 4.1% | -18.6 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.7M | $1.3M | $110K | $392K | $-14K | -3.31% | -0.10% | 94.37% | 105 |
| Q4 2025 | $1.7M | $1.3M | $126K | $407K | $6K | 0.35% | 0.95% | 0.00% | 107 |
| Q3 2025 | $1.8M | $1.4M | $164K | $419K | $18K | 1.29% | 1.82% | 0.00% | 113 |
| Q2 2025 | $2.0M | $1.6M | $193K | $416K | $15K | 1.49% | 2.13% | 0.00% | 120 |
| Q1 2025 | $2.1M | $1.7M | $224K | $416K | $15K | 2.86% | 3.86% | 0.00% | 124 |
| Q4 2024 | $2.2M | $1.8M | $244K | $401K | $13K | 0.60% | 1.33% | 0.00% | 130 |
| Q3 2024 | $2.2M | $1.8M | $273K | $405K | $21K | 1.27% | 2.80% | 0.00% | 133 |
| Q2 2024 | $2.3M | $1.9M | $249K | $410K | $22K | 1.86% | 2.84% | 0.00% | 138 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.31% | 0.60% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -14.5% | 4.1% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | -0.10% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $0 · securities $897K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | — | 81.5% | — |
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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