| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.7% | +1.3% | -6.0 pts |
| Share growth (YoY) | +6.9% | +0.7% | +6.2 pts |
| Loan growth (YoY) | -25.1% | -2.4% | -22.7 pts |
| ROA | -27.16% | 0.60% | -27.8 pts |
| ROE | -124.9% | 4.1% | -129.0 pts |
ROA ranks in the 0th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $223K | $175K | $91K | $49K | $-15K | -27.16% | 5.83% | 24.80% | 48 |
| Q4 2025 | $224K | $159K | $95K | $66K | $-12K | -5.30% | 8.55% | 26.23% | 48 |
| Q3 2025 | $250K | $183K | $97K | $66K | $-11K | -5.64% | 8.05% | 18.15% | 57 |
| Q2 2025 | $231K | $161K | $101K | $69K | $-5K | -4.58% | 9.05% | 19.05% | 59 |
| Q1 2025 | $234K | $163K | $122K | $71K | $-2K | -2.74% | 9.23% | 16.87% | 59 |
| Q4 2024 | $228K | $144K | $122K | $84K | $-7K | -3.26% | 11.61% | 6.04% | 60 |
| Q3 2024 | $227K | $150K | $122K | $77K | $-7K | -4.25% | 12.35% | 6.06% | 60 |
| Q2 2024 | $265K | $187K | $133K | $78K | $-6K | -4.68% | 10.99% | 5.54% | 66 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -27.16% | 0.60% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -124.9% | 4.1% | 1th | |
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 $91K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 249.4% | 81.5% | 99th |
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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