| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +1.3% | -3.8 pts |
| Share growth (YoY) | -5.9% | +0.7% | -6.6 pts |
| Loan growth (YoY) | -4.9% | -2.4% | -2.5 pts |
| ROA | -0.12% | 0.60% | -0.7 pts |
| ROE | -0.4% | 4.1% | -4.5 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.2M | $3.4M | $3.3M | $1.7M | $-2K | -0.12% | 8.63% | 5.43% | 1,164 |
| Q4 2025 | $5.2M | $3.4M | $3.5M | $1.7M | $130K | 2.50% | 9.69% | 4.96% | 1,200 |
| Q3 2025 | $5.1M | $3.3M | $3.4M | $1.7M | $96K | 2.51% | 9.62% | 3.93% | 1,198 |
| Q2 2025 | $5.2M | $3.4M | $3.4M | $1.7M | $58K | 2.26% | 9.57% | 3.90% | 1,206 |
| Q1 2025 | $5.3M | $3.6M | $3.5M | $1.7M | $32K | 2.37% | 8.85% | 4.34% | 1,223 |
| Q4 2024 | $5.3M | $3.6M | $3.5M | $1.7M | $77K | 1.47% | 9.47% | 4.05% | 1,212 |
| Q3 2024 | $5.3M | $3.7M | $3.5M | $1.7M | $60K | 1.51% | 9.20% | 3.63% | 1,219 |
| Q2 2024 | $5.4M | $3.8M | $3.5M | $1.7M | $47K | 1.75% | 9.35% | 2.60% | 1,217 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.12% | 0.60% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -0.4% | 4.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 8.63% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.2M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.3% | 81.5% | 86th |
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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