| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.7% | +1.3% | -13.0 pts |
| Share growth (YoY) | -15.0% | +0.7% | -15.7 pts |
| Loan growth (YoY) | -18.7% | -2.4% | -16.3 pts |
| ROA | 0.08% | 0.60% | -0.5 pts |
| ROE | 0.3% | 4.1% | -3.8 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.7M | $2.1M | $1.7M | $677K | $539 | 0.08% | 5.53% | 3.68% | 590 |
| Q4 2025 | $2.9M | $2.2M | $1.8M | $677K | $1K | 0.05% | 5.78% | 2.56% | 596 |
| Q3 2025 | $2.6M | $1.9M | $2.0M | $686K | $10K | 0.52% | 6.43% | 3.91% | 598 |
| Q2 2025 | $3.1M | $2.4M | $2.2M | $679K | $4K | 0.27% | 5.37% | 4.36% | 599 |
| Q1 2025 | $3.1M | $2.4M | $2.1M | $675K | $72 | 0.01% | 5.06% | 2.82% | 596 |
| Q4 2024 | $3.1M | $2.4M | $2.1M | $675K | $16K | 0.51% | 5.03% | 2.98% | 595 |
| Q3 2024 | $3.1M | $2.4M | $2.2M | $675K | $15K | 0.67% | 5.13% | 0.97% | 597 |
| Q2 2024 | $3.0M | $2.3M | $2.1M | $674K | $15K | 0.98% | 5.11% | 2.20% | 595 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.6M · securities $320K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | 0.60% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 4.1% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.53% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.3% | 81.5% | 82th |
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.