| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.6% | +1.3% | -6.9 pts |
| Share growth (YoY) | -3.3% | +0.7% | -3.9 pts |
| Loan growth (YoY) | -16.3% | -2.4% | -14.0 pts |
| ROA | -5.69% | 0.60% | -6.3 pts |
| ROE | -40.3% | 4.1% | -44.4 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.8M | $5.0M | $2.6M | $816K | $-82K | -5.69% | 2.68% | 0.74% | 1,202 |
| Q4 2025 | $5.7M | $4.8M | $2.9M | $898K | $-108K | -1.89% | 3.76% | 2.99% | 1,207 |
| Q3 2025 | $6.0M | $5.0M | $3.0M | $941K | $-66K | -1.48% | 3.57% | 2.15% | 1,263 |
| Q2 2025 | $6.1M | $5.1M | $3.2M | $983K | $-24K | -0.80% | 3.65% | 3.34% | 1,260 |
| Q1 2025 | $6.1M | $5.1M | $3.2M | $1.0M | $-5K | -0.33% | 3.43% | 1.32% | 1,251 |
| Q4 2024 | $6.1M | $5.0M | $3.2M | $1.0M | $21K | 0.34% | 4.14% | 1.76% | 1,248 |
| Q3 2024 | $6.2M | $5.1M | $3.3M | $1.0M | $19K | 0.40% | 4.15% | 1.26% | 1,287 |
| Q2 2024 | $6.2M | $5.2M | $3.5M | $998K | $11K | 0.36% | 4.21% | 0.06% | 1,289 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -5.69% | 0.60% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -40.3% | 4.1% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.68% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $3K · commercial $0 · consumer $2.6M · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 162.7% | 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% |
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