| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -14.6% | +1.3% | -15.9 pts |
| Share growth (YoY) | -17.0% | +0.7% | -17.7 pts |
| Loan growth (YoY) | +25.5% | -2.4% | +27.9 pts |
| ROA | -0.53% | 0.60% | -1.1 pts |
| ROE | -3.4% | 4.1% | -7.5 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.9M | $4.4M | $366K | $766K | $-6K | -0.53% | 1.13% | 1.66% | 130 |
| Q4 2025 | $5.7M | $5.1M | $346K | $773K | $-207 | -0.00% | 1.24% | 0.00% | 136 |
| Q3 2025 | $5.7M | $5.1M | $314K | $776K | $3K | 0.08% | 1.29% | 0.00% | 136 |
| Q2 2025 | $5.6M | $5.1M | $314K | $778K | $5K | 0.17% | 1.33% | 0.00% | 136 |
| Q1 2025 | $5.8M | $5.3M | $292K | $771K | $-2K | -0.12% | 1.29% | 0.00% | 137 |
| Q4 2024 | $5.8M | $5.3M | $301K | $773K | $28K | 0.49% | 1.80% | 0.00% | 140 |
| Q3 2024 | $6.0M | $5.5M | $293K | $768K | $25K | 0.55% | 1.79% | 1.51% | 143 |
| Q2 2024 | $6.0M | $5.6M | $275K | $754K | $10K | 0.34% | 1.71% | 0.03% | 146 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.53% | 0.60% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -3.4% | 4.1% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.13% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $309K · securities $4.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 144.0% | 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% |
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