| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +1.3% | +1.1 pts |
| Share growth (YoY) | +8.5% | +0.7% | +7.8 pts |
| Loan growth (YoY) | +0.7% | -2.4% | +3.0 pts |
| ROA | -24.40% | 0.60% | -25.0 pts |
| ROE | -148.2% | 4.1% | -152.3 pts |
ROA ranks in the 0th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $20.6M | $17.1M | $14.6M | $3.4M | $-1.3M | -24.40% | -21.79% | 0.00% | 1,208 |
| Q4 2025 | $20.3M | $15.6M | $14.7M | $4.6M | $422K | 2.08% | 4.19% | 0.00% | 1,210 |
| Q3 2025 | $20.4M | $15.8M | $15.0M | $4.5M | $306K | 2.00% | 4.11% | 0.00% | 1,225 |
| Q2 2025 | $20.2M | $15.7M | $14.8M | $4.4M | $194K | 1.93% | 4.08% | 0.00% | 1,227 |
| Q1 2025 | $20.1M | $15.8M | $14.5M | $4.3M | $80K | 1.59% | 3.94% | 0.23% | 1,233 |
| Q4 2024 | $19.7M | $15.4M | $14.8M | $4.2M | $373K | 1.90% | 4.04% | 0.00% | 1,252 |
| Q3 2024 | $19.8M | $15.6M | $15.1M | $4.1M | $279K | 1.88% | 3.94% | 0.00% | 1,258 |
| Q2 2024 | $20.2M | $16.1M | $15.2M | $4.0M | $170K | 1.69% | 3.78% | 0.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -24.40% | 0.60% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -148.2% | 4.1% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | -21.79% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,255 |
Loan mix (Q1 2026): real estate $9.5M · commercial $0 · consumer $4.0M · securities $4.6M
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% |
The full ratio pack is part of CharterBench Pro.