| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +1.3% | +7.2 pts |
| Share growth (YoY) | +17.9% | +0.7% | +17.3 pts |
| Loan growth (YoY) | -52.1% | -2.4% | -49.8 pts |
| ROA | -1.04% | 0.60% | -1.6 pts |
| ROE | -2.4% | 4.1% | -6.5 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $635K | $355K | $54K | $276K | $-2K | -1.04% | 2.56% | 8.63% | 154 |
| Q4 2025 | $617K | $336K | $64K | $276K | $478 | 0.08% | 4.14% | 6.78% | 154 |
| Q3 2025 | $611K | $327K | $77K | $277K | $1K | 0.32% | 4.49% | 3.16% | 150 |
| Q2 2025 | $596K | $311K | $88K | $279K | $3K | 0.99% | 4.88% | 2.76% | 148 |
| Q1 2025 | $585K | $301K | $112K | $278K | $2K | 1.32% | 5.32% | 2.57% | 152 |
| Q4 2024 | $586K | $304K | $123K | $276K | $6K | 1.01% | 5.46% | 5.78% | 144 |
| Q3 2024 | $601K | $320K | $123K | $276K | $6K | 1.38% | 5.26% | 5.79% | 154 |
| Q2 2024 | $593K | $314K | $136K | $274K | $4K | 1.45% | 5.40% | 4.94% | 151 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $54K · securities $409K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.04% | 0.60% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -2.4% | 4.1% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.56% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 140.8% | 81.5% | 97th |
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% |
The full ratio pack is part of CharterBench Pro.