| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.6% | +1.3% | -11.9 pts |
| Share growth (YoY) | -14.1% | +0.7% | -14.7 pts |
| Loan growth (YoY) | -40.0% | -2.4% | -37.6 pts |
| ROA | -8.37% | 0.60% | -9.0 pts |
| ROE | -11.1% | 4.1% | -15.2 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $286K | $65K | $39K | $216K | $-6K | -8.37% | 4.09% | 4.11% | 53 |
| Q4 2025 | $286K | $60K | $52K | $222K | $-22K | -7.74% | 5.25% | 14.45% | 56 |
| Q3 2025 | $299K | $68K | $61K | $229K | $-16K | -7.09% | 5.14% | 18.55% | 58 |
| Q2 2025 | $322K | $86K | $65K | $234K | $-10K | -6.33% | 4.99% | 18.95% | 66 |
| Q1 2025 | $320K | $76K | $66K | $239K | $-5K | -6.58% | 5.15% | 21.62% | 74 |
| Q4 2024 | $317K | $68K | $76K | $244K | $-14K | -4.47% | 6.60% | 20.19% | 83 |
| Q3 2024 | $347K | $93K | $101K | $251K | $-7K | -2.88% | 6.33% | 12.26% | 85 |
| Q2 2024 | $357K | $100K | $129K | $255K | $-3K | -1.86% | 6.38% | 0.00% | 99 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $34K · securities $178K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -8.37% | 0.60% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -11.1% | 4.1% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 300.5% | 81.5% | 100th |
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.