| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.5% | +1.3% | -12.8 pts |
| Share growth (YoY) | -14.6% | +0.7% | -15.3 pts |
| Loan growth (YoY) | -26.7% | -2.4% | -24.4 pts |
| ROA | -0.13% | 0.60% | -0.7 pts |
| ROE | -0.6% | 4.1% | -4.7 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.5M | $1.2M | $411K | $330K | $-489 | -0.13% | 5.07% | 0.00% | 267 |
| Q4 2025 | $1.6M | $1.2M | $459K | $330K | $13K | 0.81% | 5.76% | 0.93% | 272 |
| Q3 2025 | $1.6M | $1.3M | $533K | $330K | $12K | 1.00% | 5.65% | 0.00% | 282 |
| Q2 2025 | $1.7M | $1.3M | $545K | $325K | $7K | 0.86% | 5.57% | 0.00% | 285 |
| Q1 2025 | $1.7M | $1.4M | $561K | $322K | $5K | 1.09% | 5.33% | 0.00% | 288 |
| Q4 2024 | $1.7M | $1.4M | $575K | $317K | $36K | 2.06% | 6.25% | 1.07% | 287 |
| Q3 2024 | $1.8M | $1.5M | $597K | $312K | $31K | 2.27% | 6.23% | 0.00% | 293 |
| Q2 2024 | $1.8M | $1.5M | $637K | $301K | $20K | 2.15% | 6.13% | 0.56% | 301 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.13% | 0.60% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -0.6% | 4.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.07% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $411K · securities $5K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 102.5% | 81.5% | 87th |
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.