| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.0% | +1.3% | -9.3 pts |
| Share growth (YoY) | -8.0% | +0.7% | -8.7 pts |
| Loan growth (YoY) | -10.7% | -2.4% | -8.3 pts |
| ROA | -4.45% | 0.60% | -5.1 pts |
| ROE | -13.8% | 4.1% | -17.9 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.2M | $1.5M | $515K | $693K | $-24K | -4.45% | 3.73% | 1.03% | 942 |
| Q4 2025 | $2.2M | $1.5M | $564K | $717K | $-36K | -1.65% | 4.29% | 1.93% | 944 |
| Q3 2025 | $2.3M | $1.5M | $558K | $718K | $-36K | -2.09% | 4.11% | 0.46% | 937 |
| Q2 2025 | $2.3M | $1.6M | $539K | $741K | $-10K | -0.82% | 3.98% | 0.48% | 937 |
| Q1 2025 | $2.3M | $1.6M | $576K | $750K | $-4K | -0.67% | 4.02% | 0.47% | 936 |
| Q4 2024 | $2.3M | $1.5M | $604K | $754K | $-125K | -5.48% | 4.11% | 0.67% | 941 |
| Q3 2024 | $2.3M | $1.6M | $613K | $773K | $-105K | -6.02% | 4.03% | 1.33% | 947 |
| Q2 2024 | $2.4M | $1.6M | $571K | $799K | $-80K | -6.77% | 3.95% | 1.22% | 954 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.45% | 0.60% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -13.8% | 4.1% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $515K · securities $847K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 192.5% | 81.5% | 98th |
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.