| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.4% | +1.3% | -12.7 pts |
| Share growth (YoY) | -13.3% | +0.7% | -14.0 pts |
| Loan growth (YoY) | -15.3% | -2.4% | -12.9 pts |
| ROA | -1.24% | 0.60% | -1.8 pts |
| ROE | -5.5% | 4.1% | -9.6 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $603K | $465K | $259K | $136K | $-2K | -1.24% | 4.21% | 0.00% | 105 |
| Q4 2025 | $698K | $557K | $316K | $138K | $-5K | -0.66% | 4.08% | 0.00% | 109 |
| Q3 2025 | $686K | $544K | $315K | $139K | $-4K | -0.68% | 4.12% | 0.00% | 109 |
| Q2 2025 | $685K | $543K | $357K | $140K | $-3K | -0.80% | 4.15% | 0.00% | 110 |
| Q1 2025 | $680K | $537K | $306K | $140K | $-2K | -1.28% | 4.09% | 0.00% | 112 |
| Q4 2024 | $674K | $529K | $328K | $143K | $-15K | -2.22% | 4.83% | 0.00% | 114 |
| Q3 2024 | $740K | $593K | $338K | $144K | $-13K | -2.43% | 4.63% | 0.00% | 114 |
| Q2 2024 | $828K | $683K | $385K | $144K | $-14K | -3.30% | 4.23% | 0.44% | 114 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.24% | 0.60% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -5.5% | 4.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $581 · commercial $0 · consumer $227K · securities $244K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 129.3% | 81.5% | 96th |
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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