| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.1% | +1.3% | -11.4 pts |
| Share growth (YoY) | -3.1% | +0.7% | -3.8 pts |
| Loan growth (YoY) | -19.7% | -2.4% | -17.4 pts |
| ROA | -19.88% | 0.60% | -20.5 pts |
| ROE | -6119.1% | 4.1% | -6123.2 pts |
ROA ranks in the 0th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.6M | $9.4M | $6.5M | $31K | $-476K | -19.88% | 5.20% | 1.23% | 1,919 |
| Q4 2025 | $9.8M | $9.2M | $6.4M | $507K | $-507K | -5.19% | 5.64% | 1.54% | 1,941 |
| Q3 2025 | $10.2M | $9.5M | $7.0M | $740K | $-296K | -3.85% | 5.41% | 3.65% | 1,976 |
| Q2 2025 | $10.4M | $9.6M | $7.5M | $753K | $-283K | -5.45% | 5.40% | 6.22% | 1,991 |
| Q1 2025 | $10.7M | $9.7M | $8.0M | $992K | $-44K | -1.63% | 5.28% | 6.06% | 2,017 |
| Q4 2024 | $10.6M | $9.6M | $8.6M | $1.0M | $-69K | -0.64% | 5.78% | 6.38% | 2,062 |
| Q3 2024 | $11.2M | $10.1M | $8.9M | $1.1M | $5K | 0.06% | 5.46% | 6.06% | 2,122 |
| Q2 2024 | $11.5M | $10.4M | $9.3M | $1.1M | $-25K | -0.43% | 5.27% | 5.45% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -19.88% | 0.60% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -6119.1% | 4.1% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.20% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,146 |
Loan mix (Q1 2026): real estate $450K · commercial $0 · consumer $5.8M · securities $766K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 141.5% | 81.5% | 97th |
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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