| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.8% | +1.3% | -7.1 pts |
| Share growth (YoY) | -6.6% | +0.7% | -7.3 pts |
| Loan growth (YoY) | -6.5% | -2.4% | -4.2 pts |
| ROA | -0.25% | 0.60% | -0.9 pts |
| ROE | -2.8% | 4.1% | -6.9 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.5M | $2.3M | $1.1M | $233K | $-2K | -0.25% | 5.00% | 0.00% | 759 |
| Q4 2025 | $2.6M | $2.3M | $1.2M | $235K | $14K | 0.54% | 5.69% | 0.48% | 787 |
| Q3 2025 | $2.5M | $2.3M | $1.3M | $239K | $18K | 0.94% | 6.03% | 0.48% | 785 |
| Q2 2025 | $2.7M | $2.5M | $1.2M | $232K | $11K | 0.83% | 5.48% | 0.50% | 802 |
| Q1 2025 | $2.7M | $2.5M | $1.2M | $227K | $6K | 0.94% | 5.37% | 0.69% | 812 |
| Q4 2024 | $2.6M | $2.3M | $1.2M | $221K | $22K | 0.86% | 6.76% | 0.41% | 821 |
| Q3 2024 | $2.7M | $2.5M | $1.3M | $216K | $17K | 0.85% | 6.52% | 0.77% | 825 |
| Q2 2024 | $2.9M | $2.7M | $1.3M | $210K | $11K | 0.76% | 6.09% | 0.81% | 848 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.25% | 0.60% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -2.8% | 4.1% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.00% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.1M · securities $1.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.6% | 81.5% | 67th |
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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