| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.7% | +1.3% | -5.0 pts |
| Share growth (YoY) | -6.2% | +0.7% | -6.9 pts |
| Loan growth (YoY) | +34.5% | -2.4% | +36.8 pts |
| ROA | -1.11% | 0.60% | -1.7 pts |
| ROE | -4.5% | 4.1% | -8.6 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 | $798K | $601K | $102K | $197K | $-2K | -1.11% | 3.48% | 27.64% | 551 |
| Q4 2025 | $778K | $579K | $70K | $199K | $18K | 2.27% | 3.26% | 21.05% | 539 |
| Q3 2025 | $763K | $571K | $74K | $190K | $8K | 1.41% | 4.66% | 19.93% | 554 |
| Q2 2025 | $821K | $629K | $71K | $190K | $8K | 2.04% | 4.32% | 0.00% | 542 |
| Q1 2025 | $829K | $641K | $76K | $186K | $5K | 2.30% | 4.13% | 0.00% | 545 |
| Q4 2024 | $763K | $583K | $56K | $178K | $18K | 2.33% | 3.92% | 0.00% | 546 |
| Q3 2024 | $750K | $573K | $51K | $175K | $15K | 2.66% | 5.29% | 0.00% | 548 |
| Q2 2024 | $744K | $573K | $55K | $168K | $8K | 2.09% | 5.34% | 7.11% | 548 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $102K · securities $5K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.11% | 0.60% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -4.5% | 4.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 130.4% | 81.5% | 96th |
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.