| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.7% | +1.3% | -5.0 pts |
| Share growth (YoY) | -3.8% | +0.7% | -4.4 pts |
| Loan growth (YoY) | -3.5% | -2.4% | -1.2 pts |
| ROA | -3.23% | 0.60% | -3.8 pts |
| ROE | -8.7% | 4.1% | -12.8 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.3M | $3.3M | $4.4M | $2.0M | $-43K | -3.23% | 7.69% | 1.26% | 1,668 |
| Q4 2025 | $5.4M | $3.3M | $4.4M | $2.0M | $-12K | -0.23% | 7.19% | 2.81% | 1,668 |
| Q3 2025 | $5.4M | $3.3M | $4.4M | $2.0M | $-54K | -1.35% | 7.23% | 1.29% | 1,664 |
| Q2 2025 | $5.5M | $3.4M | $4.5M | $2.1M | $57K | 2.07% | 8.09% | 0.00% | 1,674 |
| Q1 2025 | $5.5M | $3.5M | $4.5M | $2.1M | $22K | 1.62% | 8.38% | 2.18% | 1,652 |
| Q4 2024 | $6.3M | $4.3M | $5.1M | $2.1M | $66K | 1.04% | 5.85% | 0.92% | 1,793 |
| Q3 2024 | $6.5M | $4.5M | $5.1M | $2.0M | $31K | 0.63% | 5.55% | 0.00% | 1,675 |
| Q2 2024 | $6.7M | $4.6M | $4.9M | $2.0M | $12K | 0.37% | 5.25% | 0.43% | 1,669 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.23% | 0.60% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -8.7% | 4.1% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.69% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.1M · securities $498K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.3% | 81.5% | 84th |
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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