| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -26.8% | +1.3% | -28.1 pts |
| Share growth (YoY) | -32.9% | +0.7% | -33.5 pts |
| Loan growth (YoY) | -6.3% | -2.4% | -3.9 pts |
| ROA | 0.25% | 0.60% | -0.4 pts |
| ROE | 1.0% | 4.1% | -3.1 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.5M | $4.0M | $787K | $1.5M | $3K | 0.25% | 2.12% | 1.31% | 699 |
| Q4 2025 | $5.5M | $4.0M | $776K | $1.4M | $-40K | -0.72% | 1.23% | 7.20% | 698 |
| Q3 2025 | $6.2M | $4.7M | $799K | $1.5M | $-34K | -0.73% | 0.99% | 5.76% | 708 |
| Q2 2025 | $7.0M | $5.5M | $811K | $1.5M | $-19K | -0.54% | 1.03% | 4.03% | 713 |
| Q1 2025 | $7.5M | $6.0M | $840K | $1.5M | $70 | 0.00% | 1.43% | 6.43% | 722 |
| Q4 2024 | $7.4M | $5.9M | $893K | $1.5M | $-100K | -1.35% | 0.13% | 7.71% | 723 |
| Q3 2024 | $7.9M | $6.0M | $942K | $1.5M | $-70K | -1.18% | 0.26% | 6.80% | 725 |
| Q2 2024 | $8.0M | $6.3M | $977K | $1.5M | $-54K | -1.35% | 0.11% | 4.55% | 729 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.60% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 4.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.12% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $787K · securities $3.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.0% | 81.5% | 65th |
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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