| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.7% | +1.3% | -6.0 pts |
| Share growth (YoY) | -12.3% | +0.7% | -13.0 pts |
| Loan growth (YoY) | -7.3% | -2.4% | -4.9 pts |
| ROA | -0.79% | 0.60% | -1.4 pts |
| ROE | -5.3% | 4.1% | -9.4 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.8M | $3.7M | $2.3M | $708K | $-9K | -0.79% | 4.51% | 0.74% | 900 |
| Q4 2025 | $4.8M | $4.0M | $2.4M | $717K | $17K | 0.36% | 4.86% | 0.29% | 899 |
| Q3 2025 | $4.8M | $4.0M | $2.4M | $708K | $8K | 0.22% | 4.85% | 0.60% | 894 |
| Q2 2025 | $5.0M | $4.1M | $2.5M | $701K | $979 | 0.04% | 4.78% | 0.35% | 885 |
| Q1 2025 | $5.0M | $4.2M | $2.5M | $697K | $-3K | -0.26% | 4.66% | 0.30% | 887 |
| Q4 2024 | $5.0M | $4.2M | $2.7M | $700K | $21K | 0.42% | 4.94% | 0.28% | 884 |
| Q3 2024 | $5.0M | $4.3M | $2.6M | $693K | $14K | 0.36% | 4.87% | 0.25% | 803 |
| Q2 2024 | $5.3M | $4.4M | $2.7M | $695K | $16K | 0.61% | 4.65% | 0.13% | 893 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.79% | 0.60% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -5.3% | 4.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.51% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $566K · commercial $0 · consumer $1.6M · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.1% | 81.5% | 89th |
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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