| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -14.1% | +1.3% | -15.4 pts |
| Share growth (YoY) | -15.8% | +0.7% | -16.4 pts |
| Loan growth (YoY) | -24.0% | -2.4% | -21.7 pts |
| ROA | 0.02% | 0.60% | -0.6 pts |
| ROE | 0.2% | 4.1% | -3.9 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $81K | $72K | $1K | $9K | $5 | 0.02% | 2.72% | 0.00% | 102 |
| Q4 2025 | $74K | $65K | $3K | $9K | $335 | 0.45% | 3.26% | 17.11% | 100 |
| Q3 2025 | $92K | $83K | $2K | $9K | $-109 | -0.16% | 1.68% | 0.00% | 100 |
| Q2 2025 | $102K | $92K | $1K | $10K | $513 | 1.01% | 2.19% | 0.00% | 110 |
| Q1 2025 | $94K | $85K | $2K | $9K | $175 | 0.74% | 0.19% | 0.00% | 100 |
| Q4 2024 | $87K | $78K | $2K | $9K | $447 | 0.51% | 3.54% | 0.00% | 108 |
| Q3 2024 | $99K | $91K | $3K | $9K | $-107 | -0.14% | 2.53% | 0.00% | 109 |
| Q2 2024 | $95K | $86K | $2K | $9K | $461 | 0.97% | 3.86% | 0.00% | 108 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1K · securities $60K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 0.60% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 4.1% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.72% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.3% | 81.5% | 84th |
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.