| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.7% | +1.3% | -9.0 pts |
| Share growth (YoY) | -8.6% | +0.7% | -9.3 pts |
| Loan growth (YoY) | -3.4% | -2.4% | -1.1 pts |
| ROA | -0.66% | 0.60% | -1.3 pts |
| ROE | -5.3% | 4.1% | -9.4 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.3M | $9.8M | $6.7M | $1.4M | $-19K | -0.66% | 2.37% | 0.66% | 1,081 |
| Q4 2025 | $11.6M | $10.2M | $6.4M | $1.4M | $-21K | -0.18% | 2.94% | 0.58% | 1,085 |
| Q3 2025 | $12.2M | $10.8M | $6.7M | $1.4M | $-29K | -0.32% | 2.76% | 0.99% | 1,103 |
| Q2 2025 | $12.2M | $10.7M | $6.6M | $1.4M | $-28K | -0.46% | 2.66% | 1.97% | 1,111 |
| Q1 2025 | $12.2M | $10.8M | $6.9M | $1.4M | $-15K | -0.48% | 2.51% | 1.49% | 1,122 |
| Q4 2024 | $12.4M | $10.9M | $6.9M | $1.4M | $-34K | -0.28% | 2.24% | 0.69% | 1,135 |
| Q3 2024 | $12.6M | $11.2M | $7.0M | $1.4M | $-34K | -0.36% | 2.13% | 0.42% | 1,134 |
| Q2 2024 | $13.0M | $11.5M | $7.2M | $1.4M | $-28K | -0.43% | 2.07% | 0.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.66% | 0.60% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -5.3% | 4.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.37% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,140 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.2M · securities $3.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.7% | 81.5% | 88th |
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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