| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +1.3% | -4.8 pts |
| Share growth (YoY) | -4.5% | +0.7% | -5.2 pts |
| Loan growth (YoY) | -16.6% | -2.4% | -14.3 pts |
| ROA | 0.08% | 0.60% | -0.5 pts |
| ROE | 0.6% | 4.1% | -3.5 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.0M | $890K | $70K | $149K | $216 | 0.08% | 0.92% | 0.00% | 189 |
| Q4 2025 | $1.1M | $901K | $80K | $149K | $308 | 0.03% | 0.92% | 0.00% | 194 |
| Q3 2025 | $1.1M | $906K | $77K | $150K | $776 | 0.10% | 0.90% | 0.00% | 204 |
| Q2 2025 | $1.1M | $923K | $80K | $149K | $455 | 0.08% | 0.74% | 0.00% | 323 |
| Q1 2025 | $1.1M | $932K | $84K | $150K | $547 | 0.20% | 0.69% | 0.00% | 345 |
| Q4 2024 | $1.1M | $933K | $90K | $149K | $186 | 0.02% | 0.50% | 0.00% | 343 |
| Q3 2024 | $1.1M | $929K | $97K | $149K | $466 | 0.06% | 0.34% | 0.00% | 342 |
| Q2 2024 | $1.2M | $997K | $33K | $149K | $386 | 0.07% | 0.25% | 0.00% | 346 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $0 · securities $722K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | 0.60% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 4.1% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.92% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.0% | 81.5% | 77th |
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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