| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.3% | +1.3% | -8.6 pts |
| Share growth (YoY) | -8.0% | +0.7% | -8.7 pts |
| Loan growth (YoY) | -24.3% | -2.4% | -21.9 pts |
| ROA | -1.05% | 0.60% | -1.7 pts |
| ROE | -8.2% | 4.1% | -12.3 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.1M | $1.8M | $1.6M | $269K | $-6K | -1.05% | 6.17% | 5.20% | 350 |
| Q4 2025 | $2.0M | $1.7M | $1.8M | $274K | $-7K | -0.35% | 7.13% | 6.43% | 350 |
| Q3 2025 | $2.2M | $1.8M | $1.8M | $281K | $-71 | -0.00% | 6.68% | 6.42% | 351 |
| Q2 2025 | $2.2M | $1.8M | $2.0M | $278K | $-4K | -0.35% | 6.68% | 5.52% | 350 |
| Q1 2025 | $2.3M | $1.9M | $2.1M | $276K | $-6K | -1.02% | 6.45% | 3.54% | 350 |
| Q4 2024 | $2.4M | $2.0M | $1.9M | $281K | $5K | 0.19% | 6.85% | 3.75% | 337 |
| Q3 2024 | $2.6M | $2.3M | $2.1M | $308K | $31K | 1.61% | 6.33% | 3.66% | 337 |
| Q2 2024 | $2.7M | $2.3M | $2.2M | $298K | $21K | 1.59% | 6.15% | 3.44% | 338 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.05% | 0.60% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -8.2% | 4.1% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $54K · commercial $0 · consumer $1.4M · securities $397K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 115.0% | 81.5% | 93th |
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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