| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +1.3% | -3.7 pts |
| Share growth (YoY) | -4.7% | +0.7% | -5.4 pts |
| Loan growth (YoY) | +8.8% | -2.4% | +11.2 pts |
| ROA | -0.71% | 0.60% | -1.3 pts |
| ROE | -5.1% | 4.1% | -9.2 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.3M | $1.1M | $317K | $182K | $-2K | -0.71% | 0.66% | 4.72% | 261 |
| Q4 2025 | $1.1M | $929K | $318K | $184K | $4K | 0.37% | 2.66% | 6.44% | 260 |
| Q3 2025 | $933K | $748K | $304K | $182K | $2K | 0.34% | 3.08% | 1.58% | 260 |
| Q2 2025 | $1.2M | $1.0M | $295K | $181K | $21K | 3.55% | 2.40% | 4.48% | 263 |
| Q1 2025 | $1.3M | $1.2M | $291K | $160K | $1K | 0.43% | 2.17% | 4.76% | 265 |
| Q4 2024 | $1.2M | $1.1M | $315K | $159K | $-3K | -0.25% | 2.57% | 4.65% | 270 |
| Q3 2024 | $1.0M | $881K | $329K | $160K | $524 | 0.07% | 3.08% | 4.69% | 273 |
| Q2 2024 | $1.2M | $1.1M | $339K | $159K | $2K | 0.29% | 2.57% | 5.14% | 262 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $317K · securities $15K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.71% | 0.60% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -5.1% | 4.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.66% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 207.3% | 81.5% | 99th |
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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