| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.5% | +1.3% | -8.8 pts |
| Share growth (YoY) | -7.7% | +0.7% | -8.3 pts |
| Loan growth (YoY) | -10.8% | -2.4% | -8.5 pts |
| ROA | -0.14% | 0.60% | -0.7 pts |
| ROE | -1.2% | 4.1% | -5.3 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.7M | $5.9M | $1.2M | $805K | $-2K | -0.14% | 4.10% | 0.43% | 1,418 |
| Q4 2025 | $6.9M | $6.1M | $1.3M | $807K | $-54K | -0.78% | 4.24% | 0.73% | 1,426 |
| Q3 2025 | $6.9M | $6.0M | $1.4M | $842K | $-19K | -0.36% | 4.18% | 0.71% | 1,482 |
| Q2 2025 | $7.3M | $6.4M | $1.4M | $853K | $-8K | -0.22% | 3.91% | 0.46% | 1,513 |
| Q1 2025 | $7.3M | $6.4M | $1.4M | $862K | $961 | 0.05% | 3.98% | 0.47% | 1,525 |
| Q4 2024 | $7.0M | $6.1M | $1.5M | $861K | $-93K | -1.33% | 3.92% | 0.57% | 1,517 |
| Q3 2024 | $6.9M | $6.0M | $1.5M | $892K | $-62K | -1.20% | 3.95% | 0.53% | 1,534 |
| Q2 2024 | $7.2M | $6.3M | $1.6M | $893K | $-61K | -1.69% | 3.64% | 0.72% | 1,540 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.14% | 0.60% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -1.2% | 4.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $126K · commercial $0 · consumer $1.1M · securities $4.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.3% | 81.5% | 90th |
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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