| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +1.3% | -3.3 pts |
| Share growth (YoY) | -2.2% | +0.7% | -2.9 pts |
| Loan growth (YoY) | -10.7% | -2.4% | -8.4 pts |
| ROA | -1.32% | 0.60% | -1.9 pts |
| ROE | -8.8% | 4.1% | -12.9 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.4M | $4.5M | $3.5M | $807K | $-18K | -1.32% | 3.03% | 0.00% | 445 |
| Q4 2025 | $5.3M | $4.4M | $3.6M | $814K | $-13K | -0.25% | 2.02% | 0.00% | 443 |
| Q3 2025 | $5.2M | $4.4M | $3.7M | $814K | $-13K | -0.33% | 1.93% | 0.00% | 440 |
| Q2 2025 | $5.2M | $4.4M | $3.8M | $828K | $1K | 0.05% | 1.85% | 0.19% | 459 |
| Q1 2025 | $5.5M | $4.6M | $3.9M | $813K | $-13K | -0.98% | 1.66% | 0.20% | 516 |
| Q4 2024 | $5.3M | $4.5M | $3.9M | $827K | $11K | 0.20% | 2.21% | 0.42% | 510 |
| Q3 2024 | $5.1M | $4.3M | $3.9M | $830K | $14K | 0.36% | 2.32% | 1.00% | 524 |
| Q2 2024 | $5.0M | $4.2M | $4.0M | $817K | $1K | 0.06% | 2.15% | 0.61% | 508 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.32% | 0.60% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -8.8% | 4.1% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.7M · commercial $0 · consumer $1.8M · securities $150K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.4% | 81.5% | 52th |
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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