| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +1.3% | -4.4 pts |
| Share growth (YoY) | -1.5% | +0.7% | -2.1 pts |
| Loan growth (YoY) | -11.4% | -2.4% | -9.1 pts |
| ROA | -0.95% | 0.60% | -1.6 pts |
| ROE | -4.0% | 4.1% | -8.1 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.0M | $2.1M | $1.6M | $721K | $-7K | -0.95% | 4.33% | 0.00% | 338 |
| Q4 2025 | $3.0M | $2.1M | $1.8M | $728K | $-2K | -0.08% | 4.95% | 0.00% | 344 |
| Q3 2025 | $2.8M | $1.9M | $1.8M | $732K | $2K | 0.09% | 5.31% | 0.00% | 343 |
| Q2 2025 | $3.0M | $2.1M | $1.8M | $729K | $-2K | -0.10% | 4.93% | 0.00% | 345 |
| Q1 2025 | $3.1M | $2.2M | $1.8M | $730K | $-534 | -0.07% | 4.76% | 0.00% | 439 |
| Q4 2024 | $3.0M | $2.0M | $1.9M | $730K | $-308K | -10.29% | 3.12% | 0.00% | 353 |
| Q3 2024 | $2.8M | $1.8M | $1.9M | $728K | $-310K | -14.51% | 2.53% | 0.00% | 355 |
| Q2 2024 | $3.0M | $1.9M | $2.0M | $1.0M | $411 | 0.03% | 5.63% | 0.69% | 360 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.95% | 0.60% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -4.0% | 4.1% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.6M · securities $706K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 122.0% | 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% |
The full ratio pack is part of CharterBench Pro.