| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.2% | +1.3% | -5.5 pts |
| Share growth (YoY) | -4.8% | +0.7% | -5.5 pts |
| Loan growth (YoY) | -3.9% | -2.4% | -1.6 pts |
| ROA | -0.66% | 0.60% | -1.3 pts |
| ROE | -3.8% | 4.1% | -7.9 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.8M | $12.3M | $8.2M | $2.5M | $-24K | -0.66% | 3.18% | 0.11% | 2,662 |
| Q4 2025 | $14.8M | $12.3M | $8.7M | $2.6M | $-103K | -0.70% | 3.38% | 0.10% | 2,643 |
| Q3 2025 | $15.0M | $12.5M | $8.7M | $2.6M | $-95K | -0.85% | 3.31% | 0.14% | 2,354 |
| Q2 2025 | $15.1M | $12.6M | $8.9M | $2.6M | $-68K | -0.90% | 3.24% | 0.41% | 2,356 |
| Q1 2025 | $15.4M | $12.9M | $8.5M | $2.6M | $-60K | -1.55% | 2.85% | 0.43% | 2,356 |
| Q4 2024 | $15.0M | $12.5M | $8.8M | $2.7M | $-68K | -0.45% | 3.18% | 0.63% | 2,345 |
| Q3 2024 | $15.4M | $12.8M | $9.0M | $2.7M | $-29K | -0.26% | 3.18% | 0.89% | 2,339 |
| Q2 2024 | $15.0M | $12.5M | $9.3M | $2.7M | $-18K | -0.24% | 3.27% | 0.18% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.66% | 0.60% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -3.8% | 4.1% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,331 |
Loan mix (Q1 2026): real estate $5.0M · commercial $0 · consumer $1.2M · securities $5.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 109.1% | 81.5% | 90th |
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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