| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +1.3% | -4.8 pts |
| Share growth (YoY) | -4.6% | +0.7% | -5.2 pts |
| Loan growth (YoY) | +0.5% | -2.4% | +2.8 pts |
| ROA | -0.06% | 0.60% | -0.7 pts |
| ROE | -0.3% | 4.1% | -4.4 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.3M | $4.9M | $2.6M | $1.4M | $-977 | -0.06% | 2.95% | 2.24% | 494 |
| Q4 2025 | $6.5M | $5.0M | $2.6M | $1.4M | $24K | 0.37% | 3.31% | 1.38% | 490 |
| Q3 2025 | $6.5M | $5.0M | $2.6M | $1.5M | $64K | 1.32% | 4.08% | 2.76% | 494 |
| Q2 2025 | $6.6M | $5.1M | $2.5M | $1.5M | $35K | 1.06% | 3.76% | 1.35% | 514 |
| Q1 2025 | $6.6M | $5.1M | $2.6M | $1.4M | $20K | 1.20% | 3.84% | 1.06% | 525 |
| Q4 2024 | $6.6M | $5.1M | $2.6M | $1.4M | $22K | 0.34% | 3.04% | 2.12% | 532 |
| Q3 2024 | $6.6M | $5.2M | $2.7M | $1.4M | $49K | 1.00% | 3.54% | 0.03% | 536 |
| Q2 2024 | $6.7M | $5.2M | $2.8M | $1.4M | $39K | 1.16% | 3.61% | 0.08% | 542 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.06% | 0.60% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | -0.3% | 4.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.5M · securities $3.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 102.0% | 81.5% | 86th |
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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