| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +1.6% | +0.7% | +0.9 pts |
| Loan growth (YoY) | -29.1% | -2.4% | -26.8 pts |
| ROA | -0.40% | 0.60% | -1.0 pts |
| ROE | -2.0% | 4.1% | -6.1 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.8M | $4.7M | $472K | $1.2M | $-6K | -0.40% | 2.23% | 13.65% | 1,417 |
| Q4 2025 | $5.7M | $4.5M | $562K | $1.1M | $58K | 1.02% | 3.43% | 13.68% | 1,434 |
| Q3 2025 | $5.6M | $4.5M | $603K | $1.1M | $34K | 0.80% | 2.93% | 9.20% | 1,442 |
| Q2 2025 | $5.6M | $4.5M | $654K | $1.1M | $-18K | -0.66% | 1.60% | 9.23% | 1,466 |
| Q1 2025 | $5.6M | $4.6M | $666K | $1.1M | $-46K | -3.23% | -1.05% | 7.16% | 1,474 |
| Q4 2024 | $5.7M | $4.6M | $740K | $1.1M | $-22K | -0.38% | 1.80% | 7.41% | 1,542 |
| Q3 2024 | $5.7M | $4.6M | $812K | $1.1M | $-19K | -0.45% | 1.81% | 7.85% | 1,564 |
| Q2 2024 | $5.8M | $4.7M | $845K | $1.1M | $-12K | -0.40% | 1.75% | 5.45% | 1,615 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.40% | 0.60% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -2.0% | 4.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.23% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $472K · securities $4.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 117.5% | 81.5% | 94th |
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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