| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +1.3% | +1.8 pts |
| Share growth (YoY) | +3.9% | +0.7% | +3.2 pts |
| Loan growth (YoY) | -15.2% | -2.4% | -12.8 pts |
| ROA | -0.78% | 0.60% | -1.4 pts |
| ROE | -8.1% | 4.1% | -12.2 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 | $3.7M | $3.4M | $1.2M | $361K | $-7K | -0.78% | 4.78% | 1.34% | 464 |
| Q4 2025 | $3.6M | $3.3M | $1.2M | $368K | $-5K | -0.12% | 5.11% | 1.91% | 574 |
| Q3 2025 | $3.7M | $3.4M | $1.3M | $346K | $-27K | -0.97% | 4.98% | 3.92% | 587 |
| Q2 2025 | $3.6M | $3.2M | $1.3M | $357K | $-16K | -0.89% | 5.08% | 5.71% | 500 |
| Q1 2025 | $3.6M | $3.2M | $1.4M | $373K | $-156 | -0.02% | 5.14% | 0.00% | 520 |
| Q4 2024 | $3.6M | $3.2M | $1.4M | $373K | $-6K | -0.17% | 5.40% | 1.39% | 730 |
| Q3 2024 | $3.6M | $3.2M | $1.5M | $377K | $-2K | -0.08% | 5.46% | 1.31% | 561 |
| Q2 2024 | $3.8M | $3.4M | $1.6M | $376K | $-3K | -0.18% | 5.27% | 1.13% | 568 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.78% | 0.60% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -8.1% | 4.1% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.78% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.1M · securities $2.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 115.4% | 81.5% | 93th |
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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