| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.1 pts |
| Share growth (YoY) | -1.3% | +0.7% | -2.0 pts |
| Loan growth (YoY) | -12.3% | -2.4% | -9.9 pts |
| ROA | -0.13% | 0.60% | -0.7 pts |
| ROE | -1.4% | 4.1% | -5.5 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.6M | $7.8M | $5.1M | $813K | $-3K | -0.13% | 4.47% | 1.29% | 1,016 |
| Q4 2025 | $8.3M | $7.4M | $5.4M | $815K | $37K | 0.45% | 4.88% | 1.22% | 1,036 |
| Q3 2025 | $8.8M | $8.0M | $5.6M | $805K | $27K | 0.41% | 4.53% | 1.34% | 1,056 |
| Q2 2025 | $8.2M | $7.4M | $5.8M | $792K | $14K | 0.34% | 4.88% | 0.73% | 1,048 |
| Q1 2025 | $8.7M | $7.9M | $5.8M | $782K | $9K | 0.41% | 4.80% | 2.02% | 1,043 |
| Q4 2024 | $8.5M | $7.7M | $6.0M | $778K | $33K | 0.39% | 4.86% | 0.88% | 1,034 |
| Q3 2024 | $8.4M | $7.6M | $6.0M | $769K | $24K | 0.38% | 4.85% | 1.23% | 1,044 |
| Q2 2024 | $8.8M | $8.0M | $5.6M | $762K | $17K | 0.40% | 4.53% | 2.58% | 1,044 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.13% | 0.60% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -1.4% | 4.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.4M · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 102.2% | 81.5% | 86th |
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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