| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.8 pts |
| Share growth (YoY) | +0.8% | +0.7% | +0.2 pts |
| Loan growth (YoY) | -11.8% | -2.4% | -9.5 pts |
| ROA | -0.09% | 0.60% | -0.7 pts |
| ROE | -0.3% | 4.1% | -4.4 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 | $2.1M | $1.5M | $897K | $620K | $-477 | -0.09% | 5.86% | 6.42% | 484 |
| Q4 2025 | $2.0M | $1.4M | $960K | $621K | $3K | 0.16% | 6.24% | 6.03% | 476 |
| Q3 2025 | $2.0M | $1.4M | $1.0M | $627K | $9K | 0.61% | 6.34% | 6.27% | 483 |
| Q2 2025 | $2.1M | $1.4M | $967K | $623K | $6K | 0.55% | 6.03% | 2.43% | 490 |
| Q1 2025 | $2.1M | $1.5M | $1.0M | $622K | $5K | 0.92% | 6.35% | 0.00% | 492 |
| Q4 2024 | $2.1M | $1.5M | $1.0M | $617K | $16K | 0.76% | 6.13% | 0.21% | 486 |
| Q3 2024 | $2.2M | $1.6M | $1.1M | $607K | $6K | 0.34% | 5.74% | 0.35% | 491 |
| Q2 2024 | $2.3M | $1.6M | $1.0M | $609K | $7K | 0.66% | 5.62% | 0.97% | 487 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $884K · securities $894K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.09% | 0.60% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -0.3% | 4.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.86% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.3% | 81.5% | 83th |
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.