| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.3% | +1.3% | -6.6 pts |
| Share growth (YoY) | -4.9% | +0.7% | -5.6 pts |
| Loan growth (YoY) | -18.3% | -2.4% | -15.9 pts |
| ROA | -2.76% | 0.60% | -3.4 pts |
| ROE | -28.1% | 4.1% | -32.2 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 | $18.6M | $16.8M | $6.8M | $1.8M | $-129K | -2.76% | 3.84% | 6.38% | 2,423 |
| Q4 2025 | $18.4M | $16.4M | $7.4M | $2.0M | $-96K | -0.52% | 4.01% | 5.83% | 2,460 |
| Q3 2025 | $18.7M | $16.7M | $7.7M | $2.0M | $-111K | -0.79% | 4.05% | 2.55% | 2,580 |
| Q2 2025 | $19.5M | $17.5M | $8.3M | $2.1M | $-73K | -0.75% | 3.89% | 2.35% | 2,645 |
| Q1 2025 | $19.7M | $17.7M | $8.4M | $2.1M | $-43K | -0.87% | 3.67% | 3.56% | 2,629 |
| Q4 2024 | $18.9M | $16.8M | $7.9M | $2.1M | $-194K | -1.03% | 3.62% | 2.82% | 2,589 |
| Q3 2024 | $19.1M | $17.0M | $7.8M | $2.3M | $-26K | -0.18% | 3.55% | 1.46% | 2,559 |
| Q2 2024 | $19.2M | $17.1M | $7.8M | $2.3M | $-28K | -0.29% | 3.47% | 0.90% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.76% | 0.60% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -28.1% | 4.1% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,547 |
Loan mix (Q1 2026): real estate $1.0M · commercial $0 · consumer $5.7M · securities $6.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 121.4% | 81.5% | 95th |
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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