| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -21.3% | +1.3% | -22.6 pts |
| Share growth (YoY) | -24.6% | +0.7% | -25.2 pts |
| Loan growth (YoY) | -26.3% | -2.4% | -23.9 pts |
| ROA | -3.19% | 0.60% | -3.8 pts |
| ROE | -16.9% | 4.1% | -21.0 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $638K | $513K | $275K | $120K | $-5K | -3.19% | 3.53% | 1.35% | 227 |
| Q4 2025 | $627K | $495K | $304K | $125K | $177 | 0.03% | 5.19% | 1.00% | 280 |
| Q3 2025 | $728K | $601K | $336K | $121K | $-4K | -0.73% | 4.50% | 0.00% | 283 |
| Q2 2025 | $826K | $692K | $365K | $128K | $3K | 0.79% | 4.56% | 0.48% | 260 |
| Q1 2025 | $810K | $680K | $373K | $127K | $2K | 0.86% | 4.70% | 0.08% | 265 |
| Q4 2024 | $800K | $673K | $339K | $125K | $10K | 1.23% | 4.78% | 0.46% | 264 |
| Q3 2024 | $792K | $665K | $339K | $124K | $9K | 1.50% | 5.02% | 0.00% | 263 |
| Q2 2024 | $837K | $710K | $387K | $123K | $7K | 1.73% | 4.96% | 0.00% | 264 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $275K · securities $100K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.19% | 0.60% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -16.9% | 4.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 149.1% | 81.5% | 97th |
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.