| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.1% | +1.3% | -5.4 pts |
| Share growth (YoY) | -5.8% | +0.7% | -6.5 pts |
| Loan growth (YoY) | +9.2% | -2.4% | +11.6 pts |
| ROA | -2.38% | 0.60% | -3.0 pts |
| ROE | -9.0% | 4.1% | -13.1 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.1M | $1.5M | $1.3M | $547K | $-12K | -2.38% | 4.93% | 0.00% | 333 |
| Q4 2025 | $2.1M | $1.5M | $1.2M | $559K | $16K | 0.79% | 4.93% | 0.00% | 330 |
| Q3 2025 | $2.1M | $1.5M | $1.2M | $554K | $11K | 0.68% | 4.88% | 1.89% | 327 |
| Q2 2025 | $2.1M | $1.6M | $1.2M | $548K | $5K | 0.50% | 4.71% | 1.74% | 324 |
| Q1 2025 | $2.2M | $1.6M | $1.2M | $547K | $4K | 0.81% | 4.78% | 1.79% | 322 |
| Q4 2024 | $2.3M | $1.7M | $1.2M | $543K | $29K | 1.29% | 4.71% | 0.32% | 323 |
| Q3 2024 | $2.2M | $1.7M | $1.2M | $538K | $24K | 1.45% | 4.80% | 0.31% | 325 |
| Q2 2024 | $2.3M | $1.8M | $1.3M | $526K | $12K | 1.04% | 4.51% | 0.30% | 323 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.38% | 0.60% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -9.0% | 4.1% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.93% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.0M · securities $50K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.6% | 81.5% | 90th |
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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