| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.6% | +1.3% | +10.3 pts |
| Share growth (YoY) | +13.6% | +0.7% | +12.9 pts |
| Loan growth (YoY) | +113.4% | -2.4% | +115.8 pts |
| ROA | -1.49% | 0.60% | -2.1 pts |
| ROE | -22.8% | 4.1% | -26.9 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.2M | $6.7M | $1.7M | $471K | $-27K | -1.49% | 2.31% | 0.89% | 1,611 |
| Q4 2025 | $6.7M | $6.2M | $1.4M | $498K | $-12K | -0.18% | 3.15% | 2.32% | 1,588 |
| Q3 2025 | $6.9M | $6.4M | $915K | $499K | $-10K | -0.20% | 2.56% | 3.31% | 1,593 |
| Q2 2025 | $6.7M | $6.2M | $796K | $508K | $-84K | -2.53% | 2.26% | 3.16% | 1,719 |
| Q1 2025 | $6.5M | $5.9M | $791K | $538K | $14K | 0.88% | 2.37% | 1.55% | 1,727 |
| Q4 2024 | $6.5M | $5.9M | $803K | $510K | $-38K | -0.59% | 2.78% | 2.06% | 1,720 |
| Q3 2024 | $6.7M | $6.1M | $744K | $525K | $-30K | -0.60% | 2.79% | 1.82% | 1,770 |
| Q2 2024 | $6.6M | $6.1M | $736K | $537K | $-15K | -0.45% | 2.84% | 2.52% | 1,846 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.49% | 0.60% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -22.8% | 4.1% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.31% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $264K · commercial $15K · consumer $1.3M · securities $2.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 161.8% | 81.5% | 98th |
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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