| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.8 pts |
| Share growth (YoY) | -0.2% | +0.7% | -0.9 pts |
| Loan growth (YoY) | +1.2% | -2.4% | +3.6 pts |
| ROA | -1.46% | 0.60% | -2.1 pts |
| ROE | -6.7% | 4.1% | -10.8 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $65.0M | $49.1M | $35.9M | $14.1M | $-237K | -1.46% | 6.19% | 1.94% | 12,460 |
| Q4 2025 | $63.1M | $47.7M | $36.7M | $14.3M | $-1.5M | -2.38% | 6.26% | 2.54% | 12,260 |
| Q3 2025 | $62.4M | $46.3M | $36.0M | $14.7M | $-1.2M | -2.54% | 6.30% | 2.63% | 12,588 |
| Q2 2025 | $64.7M | $48.4M | $35.7M | $15.2M | $-715K | -2.21% | 6.03% | 3.08% | 12,354 |
| Q1 2025 | $66.0M | $49.2M | $35.5M | $15.6M | $-334K | -2.02% | 5.89% | 2.73% | 12,197 |
| Q4 2024 | $64.1M | $47.1M | $36.2M | $15.9M | $45K | 0.07% | 6.32% | 3.27% | 12,481 |
| Q3 2024 | $64.3M | $46.9M | $35.7M | $16.2M | $315K | 0.65% | 6.26% | 2.59% | 12,267 |
| Q2 2024 | $64.4M | $48.4M | $34.7M | $15.9M | $-21K | -0.07% | 6.16% |
| Ratio | One Detroit Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.46% | 0.60% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -6.7% | 4.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.19% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2.25% |
| 11,970 |
Loan mix (Q1 2026): real estate $12.6M · commercial $0 · consumer $18.4M · securities $15.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.1% | 81.5% | 83th |
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 | One Detroit Credit Union | 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 | One Detroit Credit Union | 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 | One Detroit Credit Union | 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 | One Detroit Credit Union | 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.