| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.8% | +1.3% | -11.1 pts |
| Share growth (YoY) | -9.5% | +0.7% | -10.2 pts |
| Loan growth (YoY) | -18.4% | -2.4% | -16.1 pts |
| ROA | -2.93% | 0.60% | -3.5 pts |
| ROE | -29.2% | 4.1% | -33.3 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.1M | $10.0M | $8.2M | $1.1M | $-81K | -2.93% | 2.35% | 0.66% | 1,599 |
| Q4 2025 | $11.1M | $9.8M | $8.7M | $1.2M | $-150K | -1.35% | 3.31% | 1.99% | 1,621 |
| Q3 2025 | $11.5M | $10.2M | $9.2M | $1.3M | $-90K | -1.05% | 3.33% | 1.21% | 1,710 |
| Q2 2025 | $11.9M | $10.6M | $9.6M | $1.3M | $-48K | -0.81% | 3.50% | 1.68% | 1,744 |
| Q1 2025 | $12.3M | $11.0M | $10.0M | $1.4M | $-8K | -0.25% | 2.92% | 2.28% | 1,775 |
| Q4 2024 | $12.4M | $11.0M | $10.6M | $1.4M | $-219K | -1.77% | 3.20% | 1.85% | 1,785 |
| Q3 2024 | $13.3M | $11.9M | $11.5M | $1.4M | $-183K | -1.84% | 2.93% | 2.72% | 1,885 |
| Q2 2024 | $13.6M | $12.1M | $12.2M | $1.5M | $-108K | -1.59% | 2.75% | 2.54% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.93% | 0.60% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -29.2% | 4.1% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.35% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,892 |
Loan mix (Q1 2026): real estate $4.9M · commercial $0 · consumer $2.8M · securities $2.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 194.7% | 81.5% | 99th |
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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