| Metric | Finex Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.2% | +3.9% | -11.1 pts |
| Share growth (YoY) | -6.2% | +3.3% | -9.5 pts |
| Loan growth (YoY) | -5.0% | +2.9% | -7.9 pts |
| ROA | 0.32% | 0.69% | -0.4 pts |
| ROE | 3.7% | 5.9% | -2.2 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $134.2M | $118.2M | $95.8M | $11.6M | $107K | 0.32% | 4.01% | 1.31% | 16,083 |
| Q4 2025 | $133.2M | $116.2M | $96.7M | $11.6M | $-1.1M | -0.81% | 4.01% | 1.73% | 16,315 |
| Q3 2025 | $134.1M | $117.9M | $95.8M | $12.0M | $-696K | -0.69% | 3.95% | 2.27% | 16,582 |
| Q2 2025 | $138.8M | $122.5M | $99.0M | $12.5M | $-140K | -0.20% | 3.83% | 2.05% | 16,941 |
| Q1 2025 | $144.5M | $126.1M | $100.8M | $13.1M | $-77K | -0.21% | 3.59% | 2.00% | 17,359 |
| Q4 2024 | $141.1M | $119.0M | $104.2M | $13.3M | $-482K | -0.34% | 3.76% | 2.19% | 17,808 |
| Q3 2024 | $142.5M | $122.2M | $108.3M | $13.0M | $-797K | -0.75% | 3.72% | 2.41% | 18,124 |
| Q2 2024 | $151.7M | $129.7M | $109.0M | $13.3M | $-535K | -0.71% |
| Ratio | Finex Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.69% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 5.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 3.52% |
| 2.24% |
| 18,870 |
Loan mix (Q1 2026): real estate $62.1M · commercial $0 · consumer $33.3M · securities $12.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.3% | 78.7% | 91th |
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 | Finex Credit Union | 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 | Finex Credit Union | 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 | Finex Credit Union | 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 | Finex Credit Union | 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.