| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -18.4% | +1.3% | -19.7 pts |
| Share growth (YoY) | -20.8% | +0.7% | -21.4 pts |
| Loan growth (YoY) | -31.3% | -2.4% | -29.0 pts |
| ROA | -1.07% | 0.60% | -1.7 pts |
| ROE | -4.9% | 4.1% | -9.0 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $407K | $317K | $167K | $90K | $-1K | -1.07% | 3.38% | 0.00% | 192 |
| Q4 2025 | $417K | $325K | $179K | $91K | $7K | 1.57% | 3.64% | 0.00% | 192 |
| Q3 2025 | $429K | $333K | $157K | $96K | $11K | 3.37% | 3.40% | 0.46% | 193 |
| Q2 2025 | $448K | $344K | $216K | $104K | $19K | 8.41% | 3.19% | 0.37% | 194 |
| Q1 2025 | $499K | $400K | $244K | $100K | $-667 | -0.54% | 3.14% | 1.13% | 279 |
| Q4 2024 | $469K | $384K | $281K | $85K | $-92K | -19.56% | 4.58% | 1.06% | 280 |
| Q3 2024 | $748K | $581K | $544K | $168K | $17K | 3.07% | 3.82% | 0.00% | 215 |
| Q2 2024 | $748K | $581K | $544K | $168K | $4K | 0.94% | 2.09% | 0.00% | 281 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.07% | 0.60% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -4.9% | 4.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $167K · securities $100K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 136.9% | 81.5% | 96th |
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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