| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +1.3% | -4.7 pts |
| Share growth (YoY) | +15.2% | +0.7% | +14.5 pts |
| Loan growth (YoY) | -18.9% | -2.4% | -16.5 pts |
| ROA | -2.45% | 0.60% | -3.1 pts |
| ROE | -8.9% | 4.1% | -13.0 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $953K | $588K | $117K | $262K | $-6K | -2.45% | 3.91% | 3.32% | 364 |
| Q4 2025 | $956K | $578K | $165K | $274K | $26K | 2.72% | 2.32% | 0.00% | 364 |
| Q3 2025 | $991K | $541K | $171K | $259K | $4K | 0.60% | 3.39% | 0.00% | 385 |
| Q2 2025 | $1.0M | $533K | $177K | $256K | $2K | 0.43% | 3.22% | 0.00% | 382 |
| Q1 2025 | $986K | $511K | $144K | $259K | $5K | 1.96% | 3.12% | 0.00% | 382 |
| Q4 2024 | $758K | $493K | $143K | $252K | $8K | 0.99% | 2.96% | 0.00% | 373 |
| Q3 2024 | $775K | $491K | $151K | $256K | $10K | 1.65% | 4.17% | 1.33% | 403 |
| Q2 2024 | $751K | $478K | $167K | $255K | $8K | 2.06% | 4.29% | 1.15% | 402 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $92K · securities $215K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.45% | 0.60% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -8.9% | 4.1% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 151.6% | 81.5% | 98th |
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.