| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -14.6% | +1.3% | -15.9 pts |
| Share growth (YoY) | -16.4% | +0.7% | -17.1 pts |
| Loan growth (YoY) | -5.0% | -2.4% | -2.6 pts |
| ROA | -1.11% | 0.60% | -1.7 pts |
| ROE | -7.6% | 4.1% | -11.7 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 | $3.3M | $2.8M | $2.3M | $487K | $-9K | -1.11% | 5.83% | 3.61% | 1,483 |
| Q4 2025 | $3.5M | $3.0M | $2.4M | $496K | $-1K | -0.04% | 5.99% | 1.40% | 1,479 |
| Q3 2025 | $3.9M | $3.4M | $2.6M | $502K | $4K | 0.13% | 5.45% | 1.24% | 1,480 |
| Q2 2025 | $3.9M | $3.4M | $2.5M | $503K | $6K | 0.28% | 5.36% | 1.21% | 1,482 |
| Q1 2025 | $3.9M | $3.4M | $2.4M | $498K | $639 | 0.07% | 5.32% | 0.96% | 1,477 |
| Q4 2024 | $3.9M | $3.4M | $2.4M | $498K | $7K | 0.19% | 5.33% | 1.72% | 1,475 |
| Q3 2024 | $3.9M | $3.4M | $2.4M | $502K | $12K | 0.41% | 5.41% | 1.31% | 1,466 |
| Q2 2024 | $4.0M | $3.5M | $2.4M | $502K | $11K | 0.57% | 5.27% | 0.85% | 1,456 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.11% | 0.60% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -7.6% | 4.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.83% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.2M · securities $331K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 117.5% | 81.5% | 94th |
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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