| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7168900.0% | +1.3% | +7168898.7 pts |
| Share growth (YoY) | — | +0.7% | — |
| Loan growth (YoY) | — | -2.4% | — |
| ROA | -248.35% | 0.60% | -249.0 pts |
| ROE | -2072.2% | 4.1% | -2076.3 pts |
ROA ranks in the 0th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $72K | $69K | $15K | $9K | $-45K | -248.35% | 0.62% | 0.00% | 89 |
| Q4 2025 | $164K | $57K | $10K | $81K | $196 | 0.12% | 0.10% | 0.00% | 79 |
| Q3 2025 | $86K | $365 | $0 | $75K | $-9K | -14.37% | -0.02% | — | 75 |
| Q2 2025 | $20K | $310 | $0 | $20K | $-24K | -233.87% | 0.00% | — | 62 |
| Q1 2025 | $1 | $0 | $0 | $1 | $0 | 0.00% | 0.00% | — | 1 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $15K · securities $437
| Ratio | Value | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -248.35% | 0.60% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -2072.2% | 4.1% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.62% | 3.83% | 1th | |
Efficiency ratio |
Peer lists, growth filters, CSV export, CRM push.
| 6098.6% |
| 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 (5q) | 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 (5q) | 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 (5q) | 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 (5q) | 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.