| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.6% | +1.3% | -7.9 pts |
| Share growth (YoY) | -8.3% | +0.7% | -9.0 pts |
| Loan growth (YoY) | -23.2% | -2.4% | -20.9 pts |
| ROA | -0.25% | 0.60% | -0.9 pts |
| ROE | -1.3% | 4.1% | -5.4 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.8M | $5.4M | $2.3M | $1.3M | $-4K | -0.25% | 2.03% | 0.65% | 296 |
| Q4 2025 | $7.1M | $5.7M | $2.4M | $1.3M | $-32K | -0.45% | 2.03% | 0.72% | 312 |
| Q3 2025 | $7.3M | $5.9M | $2.6M | $1.3M | $-15K | -0.28% | 2.01% | 0.92% | 319 |
| Q2 2025 | $7.2M | $5.8M | $2.7M | $1.3M | $-11K | -0.31% | 2.07% | 0.95% | 328 |
| Q1 2025 | $7.3M | $5.9M | $3.0M | $1.3M | $-3K | -0.16% | 1.93% | 2.49% | 329 |
| Q4 2024 | $7.0M | $5.6M | $2.6M | $1.3M | $-17K | -0.24% | 2.17% | 1.72% | 341 |
| Q3 2024 | $7.2M | $5.8M | $2.7M | $1.4M | $-10K | -0.19% | 2.10% | 8.46% | 355 |
| Q2 2024 | $7.6M | $6.2M | $2.7M | $1.4M | $-8K | -0.22% | 2.04% | 1.67% | 359 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.25% | 0.60% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -1.3% | 4.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.03% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.8M · commercial $0 · consumer $89K · securities $3.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 112.0% | 81.5% | 92th |
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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