| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.5% | +1.3% | -7.8 pts |
| Share growth (YoY) | -9.1% | +0.7% | -9.8 pts |
| Loan growth (YoY) | -14.6% | -2.4% | -12.2 pts |
| ROA | -0.06% | 0.60% | -0.7 pts |
| ROE | -0.2% | 4.1% | -4.3 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.5M | $3.8M | $3.8M | $1.7M | $-845 | -0.06% | 6.16% | 0.00% | 884 |
| Q4 2025 | $5.5M | $3.8M | $4.1M | $1.7M | $21K | 0.38% | 6.49% | 0.31% | 900 |
| Q3 2025 | $5.7M | $4.0M | $4.3M | $1.7M | $30K | 0.71% | 6.28% | 0.51% | 928 |
| Q2 2025 | $5.8M | $4.1M | $4.4M | $1.7M | $35K | 1.21% | 6.18% | 0.54% | 1,020 |
| Q1 2025 | $5.9M | $4.2M | $4.5M | $1.7M | $16K | 1.12% | 6.05% | 0.35% | 1,022 |
| Q4 2024 | $5.8M | $4.2M | $4.5M | $1.7M | $5K | 0.09% | 6.33% | 0.78% | 1,035 |
| Q3 2024 | $6.1M | $4.4M | $4.6M | $1.6M | $-13K | -0.29% | 6.10% | 0.40% | 1,039 |
| Q2 2024 | $6.2M | $4.5M | $4.9M | $1.6M | $362 | 0.01% | 6.00% | 0.12% | 1,042 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.06% | 0.60% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | -0.2% | 4.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.16% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.5M · securities $904K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.0% | 81.5% | 76th |
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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