| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.9 pts |
| Share growth (YoY) | -3.3% | +0.7% | -4.0 pts |
| Loan growth (YoY) | +4.1% | -2.4% | +6.4 pts |
| ROA | -11.91% | 0.60% | -12.5 pts |
| ROE | -60.1% | 4.1% | -64.2 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.2M | $8.2M | $4.4M | $2.0M | $-303K | -11.91% | -10.32% | 0.00% | 795 |
| Q4 2025 | $10.0M | $8.1M | $4.5M | $2.0M | $92K | 0.92% | 2.77% | 0.00% | 793 |
| Q3 2025 | $10.1M | $8.2M | $4.4M | $2.0M | $91K | 1.19% | 2.79% | 0.00% | 915 |
| Q2 2025 | $10.6M | $8.7M | $4.4M | $1.9M | $58K | 1.09% | 2.67% | 0.00% | 915 |
| Q1 2025 | $10.3M | $8.4M | $4.3M | $1.9M | $16K | 0.61% | 2.56% | 0.00% | 908 |
| Q4 2024 | $10.2M | $8.3M | $4.2M | $1.9M | $99K | 0.97% | 2.67% | 0.00% | 907 |
| Q3 2024 | $9.9M | $8.0M | $4.0M | $1.8M | $62K | 0.83% | 2.67% | 0.00% | 910 |
| Q2 2024 | $10.3M | $8.5M | $3.9M | $1.8M | $48K | 0.92% | 2.64% | 0.00% | 910 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -11.91% | 0.60% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -60.1% | 4.1% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | -10.32% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.5M · commercial $0 · consumer $2.8M · securities $3.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | — | 81.5% | — |
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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