| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +1.3% | -3.5 pts |
| Share growth (YoY) | -2.8% | +0.7% | -3.5 pts |
| Loan growth (YoY) | -9.9% | -2.4% | -7.5 pts |
| ROA | 0.02% | 0.60% | -0.6 pts |
| ROE | 0.2% | 4.1% | -3.9 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.8M | $1.6M | $807K | $207K | $98 | 0.02% | 4.20% | 0.13% | 363 |
| Q4 2025 | $1.7M | $1.5M | $772K | $207K | $10K | 0.60% | 4.47% | 0.06% | 310 |
| Q3 2025 | $1.7M | $1.5M | $783K | $206K | $9K | 0.70% | 4.54% | 0.12% | 314 |
| Q2 2025 | $1.8M | $1.6M | $912K | $202K | $5K | 0.54% | 4.17% | 4.98% | 329 |
| Q1 2025 | $1.8M | $1.6M | $895K | $200K | $3K | 0.70% | 4.27% | 4.43% | 338 |
| Q4 2024 | $1.8M | $1.6M | $888K | $197K | $33K | 1.85% | 5.30% | 3.83% | 338 |
| Q3 2024 | $2.0M | $1.8M | $1.1M | $188K | $25K | 1.69% | 4.90% | 1.04% | 340 |
| Q2 2024 | $2.0M | $1.8M | $1.1M | $180K | $16K | 1.65% | 4.84% | 1.55% | 341 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $675K · securities $424K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 0.60% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 4.1% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.5% | 81.5% | 84th |
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.