| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +1.3% | +3.9 pts |
| Share growth (YoY) | -6.1% | +0.7% | -6.7 pts |
| Loan growth (YoY) | -5.3% | -2.4% | -2.9 pts |
| ROA | -4.35% | 0.60% | -5.0 pts |
| ROE | -26.3% | 4.1% | -30.4 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.6M | $2.1M | $781K | $426K | $-28K | -4.35% | 1.21% | 6.37% | 1,163 |
| Q4 2025 | $2.5M | $2.1M | $773K | $419K | $209K | 8.19% | 2.76% | 4.52% | 1,177 |
| Q3 2025 | $2.2M | $2.1M | $820K | $115K | $-46K | -2.79% | 3.37% | 3.04% | 1,177 |
| Q2 2025 | $2.3M | $2.2M | $783K | $148K | $-45K | -3.87% | 3.35% | 0.21% | 1,832 |
| Q1 2025 | $2.5M | $2.3M | $824K | $172K | $-21K | -3.43% | 3.30% | 3.91% | 1,818 |
| Q4 2024 | $2.5M | $2.3M | $878K | $193K | $-107K | -4.35% | 3.58% | 5.23% | 1,816 |
| Q3 2024 | $2.5M | $2.2M | $947K | $218K | $-82K | -4.41% | 3.72% | 3.50% | 1,807 |
| Q2 2024 | $2.4M | $2.2M | $991K | $248K | $-52K | -4.25% | 3.88% | 0.77% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.35% | 0.60% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -26.3% | 4.1% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,799 |
Loan mix (Q1 2026): real estate $0 · commercial $15K · consumer $752K · securities $174K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 354.3% | 81.5% | 100th |
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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