| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.0% | +1.3% | -9.3 pts |
| Share growth (YoY) | -10.2% | +0.7% | -10.9 pts |
| Loan growth (YoY) | -10.5% | -2.4% | -8.2 pts |
| ROA | -0.32% | 0.60% | -0.9 pts |
| ROE | -1.5% | 4.1% | -5.6 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.1M | $5.6M | $5.2M | $1.5M | $-6K | -0.32% | 4.38% | 0.70% | 1,451 |
| Q4 2025 | $7.3M | $5.8M | $5.6M | $1.5M | $43K | 0.59% | 5.18% | 0.68% | 1,450 |
| Q3 2025 | $7.4M | $5.8M | $5.9M | $1.5M | $26K | 0.47% | 5.26% | 0.60% | 1,463 |
| Q2 2025 | $7.5M | $6.0M | $6.1M | $1.5M | $17K | 0.44% | 5.18% | 0.51% | 1,475 |
| Q1 2025 | $7.7M | $6.2M | $5.8M | $1.5M | $-1K | -0.07% | 4.90% | 0.42% | 1,480 |
| Q4 2024 | $8.0M | $6.3M | $5.8M | $1.5M | $13K | 0.16% | 4.98% | 0.56% | 1,483 |
| Q3 2024 | $8.4M | $6.9M | $5.7M | $1.5M | $26K | 0.42% | 4.72% | 0.00% | 1,483 |
| Q2 2024 | $8.3M | $6.8M | $5.7M | $1.5M | $15K | 0.35% | 4.73% | 0.00% | 1,511 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.32% | 0.60% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -1.5% | 4.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.0M · securities $304K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.7% | 81.5% | 89th |
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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