| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +1.3% | +2.9 pts |
| Share growth (YoY) | +5.2% | +0.7% | +4.6 pts |
| Loan growth (YoY) | -2.1% | -2.4% | +0.3 pts |
| ROA | -0.38% | 0.60% | -1.0 pts |
| ROE | -2.7% | 4.1% | -6.8 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.7M | $3.2M | $2.4M | $518K | $-4K | -0.38% | 1.52% | 0.85% | 243 |
| Q4 2025 | $3.7M | $3.2M | $2.4M | $522K | $-9K | -0.24% | 1.59% | 0.11% | 248 |
| Q3 2025 | $3.6M | $3.1M | $2.6M | $523K | $-7K | -0.27% | 1.66% | 0.11% | 246 |
| Q2 2025 | $3.6M | $3.1M | $2.5M | $524K | $-6K | -0.34% | 1.59% | 0.11% | 246 |
| Q1 2025 | $3.5M | $3.0M | $2.5M | $528K | $-3K | -0.30% | 1.59% | 0.11% | 243 |
| Q4 2024 | $3.1M | $2.5M | $2.5M | $531K | $7K | 0.22% | 2.27% | 0.11% | 244 |
| Q3 2024 | $3.0M | $2.4M | $2.5M | $527K | $3K | 0.14% | 2.33% | 0.11% | 248 |
| Q2 2024 | $2.9M | $2.4M | $2.5M | $527K | $3K | 0.23% | 2.38% | 0.11% | 249 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.38% | 0.60% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -2.7% | 4.1% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.52% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.3M · commercial $0 · consumer $959K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 123.9% | 81.5% | 95th |
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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