| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +1.3% | -1.6 pts |
| Share growth (YoY) | +3.0% | +0.7% | +2.4 pts |
| Loan growth (YoY) | -7.3% | -2.4% | -4.9 pts |
| ROA | -21.00% | 0.60% | -21.6 pts |
| ROE | -403.6% | 4.1% | -407.7 pts |
ROA ranks in the 0th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.4M | $3.2M | $2.4M | $177K | $-179K | -21.00% | 6.36% | 7.76% | 717 |
| Q4 2025 | $3.7M | $3.4M | $2.4M | $356K | $67K | 1.80% | 5.89% | 6.83% | 704 |
| Q3 2025 | $3.5M | $3.2M | $2.5M | $340K | $52K | 1.96% | 6.42% | 7.34% | 710 |
| Q2 2025 | $3.5M | $3.1M | $2.5M | $368K | $80K | 4.59% | 6.54% | 1.39% | 704 |
| Q1 2025 | $3.4M | $3.1M | $2.5M | $282K | $-7K | -0.79% | 6.94% | 2.36% | 715 |
| Q4 2024 | $3.5M | $3.2M | $2.7M | $288K | $-53K | -1.49% | 7.19% | 3.21% | 712 |
| Q3 2024 | $3.5M | $3.3M | $2.7M | $277K | $-64K | -2.42% | 7.19% | 2.58% | 727 |
| Q2 2024 | $3.5M | $3.2M | $2.8M | $282K | $-59K | -3.35% | 7.35% | 3.21% | 720 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -21.00% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | -403.6% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 6.36% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 179.1% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.2M · securities $401K
| 81.5% |
| — |
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% |
The full ratio pack is part of CharterBench Pro.