| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +1.3% | -1.0 pts |
| Share growth (YoY) | +0.7% | +0.7% | +0.0 pts |
| Loan growth (YoY) | -4.9% | -2.4% | -2.6 pts |
| ROA | -2.23% | 0.60% | -2.8 pts |
| ROE | -6.6% | 4.1% | -10.7 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.5M | $3.0M | $2.9M | $1.5M | $-25K | -2.23% | 3.95% | 4.00% | 422 |
| Q4 2025 | $4.2M | $2.7M | $3.0M | $1.6M | $6K | 0.13% | 3.69% | 0.82% | 417 |
| Q3 2025 | $4.6M | $3.0M | $3.1M | $1.5M | $-32K | -0.93% | 3.32% | 2.51% | 423 |
| Q2 2025 | $4.6M | $3.1M | $3.1M | $1.5M | $-26K | -1.13% | 3.63% | 2.72% | 427 |
| Q1 2025 | $4.5M | $3.0M | $3.1M | $1.6M | $-13K | -1.19% | 3.66% | 0.36% | 424 |
| Q4 2024 | $4.5M | $2.9M | $3.0M | $1.6M | $79K | 1.77% | 3.47% | 1.36% | 426 |
| Q3 2024 | $4.6M | $3.0M | $3.1M | $1.6M | $-23K | -0.68% | 3.44% | 0.40% | 419 |
| Q2 2024 | $4.7M | $3.1M | $3.1M | $1.5M | $61K | 2.63% | 3.17% | 0.44% | 424 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.23% | 0.60% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -6.6% | 4.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.1M · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.4% | 81.5% | 68th |
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.