| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.9% | +1.3% | -10.2 pts |
| Share growth (YoY) | -4.1% | +0.7% | -4.7 pts |
| Loan growth (YoY) | -11.3% | -2.4% | -9.0 pts |
| ROA | -14.61% | 0.60% | -15.2 pts |
| ROE | -37.8% | 4.1% | -41.9 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 | $202K | $139K | $83K | $78K | $-7K | -14.61% | 9.29% | 6.88% | 271 |
| Q4 2025 | $206K | $135K | $89K | $90K | $-15K | -7.41% | 7.35% | 4.51% | 245 |
| Q3 2025 | $211K | $138K | $89K | $80K | $-10K | -6.33% | 8.32% | 10.51% | 246 |
| Q2 2025 | $222K | $146K | $89K | $82K | $-8K | -7.28% | 7.97% | 6.33% | 252 |
| Q1 2025 | $222K | $145K | $94K | $83K | $-7K | -11.78% | 6.91% | 20.67% | 253 |
| Q4 2024 | $235K | $145K | $94K | $90K | $-17K | -7.36% | 7.01% | 24.31% | 271 |
| Q3 2024 | $235K | $139K | $85K | $95K | $-3K | -1.67% | 6.67% | 19.77% | 271 |
| Q2 2024 | $239K | $146K | $76K | $92K | $-7K | -5.87% | 6.48% | 23.68% | 271 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -14.61% | 0.60% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -37.8% | 4.1% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 9.29% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $83K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 254.1% | 81.5% | 99th |
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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