| Metric | My Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +3.9% | -6.5 pts |
| Share growth (YoY) | -2.8% | +3.3% | -6.1 pts |
| Loan growth (YoY) | -5.0% | +2.9% | -7.9 pts |
| ROA | 0.03% | 0.69% | -0.7 pts |
| ROE | 0.3% | 5.9% | -5.6 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $371.3M | $332.2M | $306.2M | $34.5M | $28K | 0.03% | 3.65% | 0.80% | 22,316 |
| Q4 2025 | $357.0M | $326.4M | $311.4M | $34.5M | $-1.1M | -0.32% | 3.73% | 1.62% | 22,579 |
| Q3 2025 | $371.1M | $328.3M | $318.2M | $35.3M | $-336K | -0.12% | 3.55% | 0.87% | 22,560 |
| Q2 2025 | $372.1M | $333.7M | $318.2M | $35.0M | $-564K | -0.30% | 3.54% | 0.52% | 22,972 |
| Q1 2025 | $381.0M | $341.7M | $322.2M | $35.2M | $-535K | -0.56% | 3.37% | 0.27% | 23,427 |
| Q4 2024 | $376.6M | $330.2M | $321.0M | $35.7M | $691K | 0.18% | 3.45% | 0.36% | 23,691 |
| Q3 2024 | $376.2M | $325.6M | $325.8M | $35.4M | $384K | 0.14% | 3.47% | 0.35% | 23,856 |
| Q2 2024 | $378.5M | $325.9M | $326.9M | $35.2M | $172K | 0.09% | 3.47% |
| Ratio | My Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.69% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 5.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.38% |
| 23,900 |
Loan mix (Q1 2026): real estate $157.1M · commercial $104.3M · consumer $40.5M · securities $6.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.0% | 78.7% | 94th |
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 | My Credit Union | 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 | My Credit Union | 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 | My Credit Union | 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 | My Credit Union | 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.