| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.9% | +1.3% | -10.2 pts |
| Share growth (YoY) | -10.4% | +0.7% | -11.1 pts |
| Loan growth (YoY) | -23.8% | -2.4% | -21.4 pts |
| ROA | -0.77% | 0.60% | -1.4 pts |
| ROE | -3.7% | 4.1% | -7.8 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.7M | $3.7M | $1.1M | $991K | $-9K | -0.77% | 2.80% | 0.37% | 259 |
| Q4 2025 | $4.6M | $3.6M | $1.1M | $1.0M | $-10K | -0.21% | 3.10% | 0.44% | 262 |
| Q3 2025 | $4.6M | $3.5M | $1.3M | $1.0M | $11K | 0.31% | 3.14% | 2.63% | 275 |
| Q2 2025 | $4.7M | $3.7M | $1.4M | $1.0M | $6K | 0.25% | 3.11% | 1.29% | 271 |
| Q1 2025 | $5.2M | $4.2M | $1.4M | $1.0M | $152 | 0.01% | 2.81% | 1.30% | 286 |
| Q4 2024 | $5.1M | $4.1M | $1.6M | $1.0M | $16K | 0.32% | 2.78% | 4.19% | 280 |
| Q3 2024 | $5.1M | $4.1M | $1.8M | $1.0M | $34K | 0.88% | 3.01% | 3.18% | 289 |
| Q2 2024 | $5.2M | $4.2M | $1.9M | $1.0M | $22K | 0.84% | 2.84% | 2.91% | 295 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.77% | 0.60% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -3.7% | 4.1% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.80% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.0M · securities $3.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.1% | 81.5% | 81th |
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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